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Senior Credit Risk Analyst
2 months ago
Position Overview:
Why Choose GM Financial?
GM Financial serves as the dedicated finance subsidiary of General Motors, with its headquarters located in Fort Worth, U.S. We are a worldwide provider of automotive financing solutions, operating across North America, South America, and the Asia Pacific region. Our enduring partnerships with auto dealers enable us to offer appealing retail financing and leasing options tailored to meet diverse customer needs. Additionally, we provide commercial lending products to dealers, assisting them in financing and expanding their businesses. At GM Financial, our employees play a crucial role in shaping our culture, fostering an environment that embraces innovative ideas, upholds integrity, and cultivates a sense of community and belonging. Here, we do more than just work; we thrive.
Our Mission: We lead the innovations that connect people to what matters most.
Key Responsibilities:
About the Role:
The Senior Credit Analyst is tasked with investigating and evaluating credit risks, reviewing credit histories, and making informed decisions regarding the approval or denial of credit extensions to prospective clients. This role involves collaboration with various departments within the company, as well as with automobile dealers and other finance and credit entities. Furthermore, the Senior Credit Analyst will cultivate relationships and negotiate terms with automobile dealers, manage incoming applications and inquiries, and ensure adherence to both State and Federal regulations and compliance standards.
In This Role, You Will:
- Evaluate credit information to assess the level of risk associated with extending credit.
- Make informed decisions to approve or deny credit extensions within the authority set by senior management and in compliance with State/Federal regulations.
- Build and maintain strong dealer relationships to achieve volume and credit quality objectives.
- Secure automotive finance contracts that align with GM Financial's profitability criteria.
- Ensure compliance with relevant policies and procedures.
- Facilitate collaboration among departments to enhance operational efficiency.
- Manage all queues to meet acceptable service levels.
- Conduct outbound calls to dealer clients.
- Participate in joint dealer visits with Dealer Account Representatives as necessary.
- Ensure all necessary documentation is obtained for all transactions.
- Negotiate terms of loans effectively.
- Communicate clearly and effectively with a diverse range of internal and external stakeholders, both formally and informally, to secure their agreement and acceptance.
Qualifications:
What Makes You an Ideal Candidate:
- Understanding of sales, credit, and funding processes within consumer finance.
- Familiarity with motor vehicle retail installment documentation.
- Awareness of the company's credit policies.
- Proficient knowledge of consumer credit, credit laws, and regulations.
- Insight into the retail automobile finance sector.
- Understanding of indirect retail auto financing.
- Knowledge of State and Federal regulatory requirements.
- Experience in consumer finance and banking environments.
- Strong analytical and problem-solving abilities.
- Exceptional customer relations skills.
- Effective communication skills, including verbal, written, and presentation abilities.
- Sales skills necessary for developing and sustaining productive dealer relationships.
- Negotiation expertise.
Experience:
- High School Diploma or equivalent is required.
- Bachelor's Degree is preferred.
- 2-3 years of relevant experience is preferred.
What We Offer: A comprehensive benefits package available from day one, including 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training opportunities, GM employee auto discounts, community service pay, and nine company holidays.
Our Culture: Our employees shape our culture, creating an environment that welcomes innovative ideas, upholds integrity, and fosters a sense of community and belonging. Here, we do more than just work; we thrive.
Compensation: Competitive salary and bonus eligibility.
Work-Life Balance: Flexible hybrid work environment, with 2 days a week in the office.
