Senior Credit Risk Analyst

1 week ago

Philadelphia, Pennsylvania, United States GM Financial Full time

Position Overview:

Why Choose GM Financial?

GM Financial operates as the exclusive finance arm of General Motors, based in Fort Worth, U.S. We deliver comprehensive auto finance solutions across North America, South America, and the Asia Pacific region. Our established partnerships with automotive dealers enable us to provide appealing retail financing and leasing options tailored to our customers' needs. Additionally, we offer commercial lending solutions to dealers, assisting them in financing and expanding their operations. At GM Financial, our employees play a pivotal role in shaping a culture that embraces innovation, integrity, and a sense of community. Here, we do more than just work; we flourish.

Our Mission: We drive innovations that connect individuals to what truly matters.

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 interactions with automotive dealers and other financial institutions. Furthermore, the Senior Credit Analyst will cultivate relationships and negotiate terms with automotive dealers, manage incoming applications and inquiries, and ensure adherence to relevant State and Federal regulations.

In This Role, You Will:

  • Evaluate credit information to assess the level of risk associated with extending credit.
  • Make informed decisions to approve or decline credit extensions within the authority defined by senior management and regulatory standards.
  • Establish and maintain strong dealer relationships to achieve volume and credit quality targets.
  • Secure automotive finance contracts that align with GM Financial's profitability standards.
  • Ensure compliance with all relevant policies and procedures.
  • Facilitate cooperation among branch offices and other 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 needed.
  • Verify that all necessary documentation is obtained for all transactions.
  • Negotiate loan conditions effectively.
  • Communicate clearly and persuasively with a diverse range of internal and external stakeholders, both formally and informally, to secure their agreement and cooperation.

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.
  • Working knowledge of consumer credit, relevant laws, and regulations.
  • Insight into the retail automobile finance sector.
  • Experience with indirect retail auto financing.
  • Knowledge of State and Federal regulatory requirements.
  • Familiarity with the consumer finance and banking landscape.
  • Strong analytical and problem-solving capabilities.
  • Exceptional customer relationship management skills.
  • Effective communication skills, including verbal, written, and presentation abilities.
  • Sales acumen necessary for developing and sustaining productive dealer partnerships.
  • Negotiation proficiency.

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, paid bonding leave for new parents, tuition assistance, training opportunities, employee discounts on vehicles, community service pay, and nine company holidays.

Our Culture: Our employees define and shape our culture, fostering an environment that welcomes innovative ideas, promotes integrity, and cultivates a sense of community. Here, we do more than just work; we thrive.

Compensation: Competitive salary with bonus eligibility.

Work-Life Balance: Flexible hybrid work model, with two days a week in the office.

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