Sr Credit Analyst

About the role

In this role

• Analyze credit applications and credit agency reports to make prudent decisions.
• Meet established standards and targets while following credit policies, procedures, and guidelines.
• Escalate applications exceeding discretionary limits or guidelines with recommendations.
• Assess creditworthiness and approve or recommend credit terms and limits for consumer and commercial accounts.
• Build dealer relationships through telephone contact and rapport.
• Process requests within turnaround times and provide customer service.
• Perform due diligence on credit applications.
• Negotiate loan decision terms and conditions with dealers within approval and exception guidelines.
• Review financial statements and apply credit and operational risk strategies to assess creditworthiness.
• Handle inbound and outbound calls about applications, programs, rates, and vehicle residual values.
• Maintain communication with business units and senior leadership; contribute to process improvements.

Candidate qualifications

• Knowledge of basic lending principles, credit bureau reports, and detailed financial statement and ratio analysis.
• Knowledge of standard office software.
• Automotive lending and/or leasing experience is an asset.
• Written and oral English is required; the description specifies high reading comprehension and writing and beginner-level oral communication.
• Bilingual French is preferred.
• Strong report writing, communication, listening, and interpersonal skills.
• Able to work in a fast-paced, high-pressure environment; be detail-oriented, organized, flexible, reliable, and open to change; work independently and as part of a team.
• Strong analytical and problem-solving skills, including loan underwriting and risk mitigation.
• Ability to negotiate business transactions with automotive dealers.
• Ability to use AI tools such as Microsoft Copilot and evaluate AI outputs for accuracy, compliance, and bias.

About GM Financial