Senior Credit Risk Analyst

2 weeks ago

Cincinnati, Ohio, United States GM Financial Full time
Overview

Why consider a career with GM Financial?

GM Financial is a fully owned division of General Motors, employing a diverse workforce of over 10,000 individuals worldwide and recognized as one of the leading finance companies in the automotive sector in the United States, setting the standard for customer loyalty.

We are committed to expanding our inclusive workforce, providing equitable opportunities for all while fostering an environment of belonging.

As a key member of the credit team in an individual contributor role, you will collaborate with like-minded colleagues, performance managers, and local strategic leaders.

If you excel in a dynamic environment, enjoy teamwork, and are passionate about nurturing account relationships, this position may be ideal for you.


Responsibilities

As a Senior Credit Analyst, your primary responsibilities will include:

  • Conducting thorough research and analysis of credit risks, evaluating credit histories, and determining the approval or denial of credit extensions to prospective clients.
  • Engaging with various departments within the company, as well as automobile dealers and other financial institutions.
  • Managing dealer relationships, negotiating terms, processing incoming applications and inquiries, while ensuring compliance with State and Federal regulations.

In this role, you will:
  • Assess consumer credit applications and utilize higher authority levels to make informed risk and profit-oriented decisions to achieve outstanding results.
  • Build and enhance dealer relationships through effective communication, both over the phone and in person.
  • Hold dealers accountable for achieving set objectives by fostering mutually beneficial scenarios.
  • Balance remote work with office responsibilities, including potential local travel within your designated market.

Qualifications

What makes you an ideal candidate:

  • Your experience in the automotive industry is essential for evaluating consumer credit reports, ensuring appropriate risk management, pricing, and compliance while aiming to secure finance contracts from GM Financial automotive dealers.
  • Ability to cultivate and strengthen internal relationships within the center and across the organization, contributing to a unified team approach.
  • Effectively multitask while managing your assigned territory and supporting fellow team members to deliver exceptional service levels.
  • Collaborate with sales counterparts during joint dealer visits and telemarketing efforts to achieve shared goals.
  • Maintain a strong work ethic and meticulous attention to detail to ensure all necessary documentation complies with relevant policies and procedures.
  • Demonstrate the ability to work under pressure and make decisions in a fast-paced setting.
  • Possess strong oral and written communication skills and utilize technology to assist performance leaders with peer coaching and development.

Experience:

  • High School Diploma or equivalent required.
  • 2-3 years of experience in underwriting or sales within the automotive industry 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 team members play a crucial role in defining and shaping our culture — an environment that embraces innovative ideas, upholds integrity, and fosters a sense of community and belonging. Here, we do more than just work — we thrive.


Compensation:

Competitive salary with bonus eligibility and a flexible hybrid work environment, requiring two days a week in the office.

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