ACF Sr Credit Analyst I - Zone A

GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.

At GM Financial, our team members define and shape our culture — an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.

Our Purpose : We pioneer the innovations that move and connect people to what matters.

The ACF Sr. Credit Analyst I evaluates credit applications and dealer financing opportunities to assess risk and make sound credit decisions within established lending authority. This role partners with dealers and internal teams to support portfolio growth, maintain credit quality, and ensure contract profitability while managing dealer relationships, analyzing financial information, monitoring performance goals, and ensuring accurate and timely processing of credit transactions.

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

Capture automotive finance contracts that meet Americredit/GM Financial profitability criteria for pricing and performance

Ensure branch office cooperation with other departments to maximize efficiency within the company

Ensure all queues are worked to acceptable service levels

Conduct joint dealer calls with Dealer Relationship Manager (DRM) on an as needed basis

Perform outbound telemarketing calls to the dealer customer

Establish and track monthly goals for assigned dealers

Ensure proper documentation is received on all deals

Knowledge consumer finance and banking environment

Knowledge of State and Federal regulatory requirements

Knowledge of indirect retail auto financing

Knowledge of motor vehicle retail installment documentation

Knowledge of sales, credit, and funding processes in consumer finance

Knowledge of the Company’s credit policies

Knowledge of the retail automobile finance industry

Working knowledge of consumer credit, credit laws, and regulations

Ability to professionally represent GM Financial

Ability to work under pressure and make decisions in a fast-paced environment

Display commitment to continuous improvement of business

Effective communication skills including verbal, written, and presentation

Innovative thinker with strong ability for strategic vision

Sales skills necessary to develop and maintain productive dealer relationships

Fast-paced office environment.

Strong focus on providing quality service to internal and external customers.

Flexible schedule with possibility of working long hours.

Subject to daily service level requirements.

Limited travel may be required to support business needs.

Must be able to deal with stressful office conditions while troubleshooting problems.

2-3 years of underwriting/sales in the automotive industry preferred

High School Diploma or equivalent required

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