AmeriCredit Sr Credit Analyst I

3 days ago

San Antonio, Texas, United States GM Financial Full time

Job Description
Why AmeriCredit?

We've spent the past 30+ years creating a culture that's second to none in the auto finance industry. Other employers only talk about their culture – we actually live it every day. It's the primary reason that approximately 50% of our team members have been here for more than 5 years. Sure, we could mention that AmeriCredit is a division of GM Financial, the wholly owned captive finance subsidiary of General Motors, a Fortune 50 company. That might be what attracts talent to our team but it's our culture that keeps them coming back.

Our culture is what has driven AmeriCredit success and what's allowed us to build strong, lasting relationships with our dealers and consumer customers that we serve. But mostly, our culture is what allows us to prioritize employee development, to create a diverse, equitable and inclusive environment and to enrich their professional experience where they can discover, thrive and belong.

If you are looking for an environment that welcomes new ideas, fosters integrity and creates a sense of community and belonging, AmeriCredit just might be your dream employer.

Responsibilities
About the Role:

  • We are looking for energized business development partners to join our credit team. You will be responsible for developing relationships with our auto dealer partners, researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. You will be trained and empowered to bring value to our dealer partners through our programs and negotiations. You will work collaboratively with our field sales team as well as other company departments to grow our business.
  • If you consider yourself a self-motivated, solutions-driven, relationship builder with a passion for auto finance; apply to be a part of the AmeriCredit Team today.

In This Role You Will

  • Analyze credit data to determine the degree of risk involved in extending credit
  • Make decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal laws
  • Develop sufficient dealer relationships that ensure volume objectives and credit quality
  • Drive to capture automotive finance contracts that meet AmeriCredit profitability criteria for pricing and performance

Qualifications
What makes you a dream candidate:

  • Motivated to perform outbound telemarketing calls to the dealer customer
  • Knowledge of sales, credit, and funding processes in consumer finance
  • Fearless negotiation and sales skills necessary to develop and maintain productive dealer relationships
  • Effective communication skills including verbal, written, and presentation
  • Innovative thinker with strong ability for strategic vision

Experience

  • High School Diploma or equivalent required.
  • 2-3 years of underwriting/sales in the automotive industry preferred

What We Offer:
Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays

Our Culture:
Our team members define and shape our culture — an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive

Compensation:
Competitive pay and bonus eligibility

Work Life Balance:
Flexible hybrid work environment, 2-days a week in office

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