GM Financial
GMF Sr Credit Analyst I - Zone B
GM Financial, Orlando, Florida, us, 32885
Overview:
Why GM Financial?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 mattersResponsibilities:About The Role:The Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers, and other finance and credit sources. In addition, the Senior Credit Analyst will manage relationships and negotiate with automobile dealers, administer inbound applications and phone calls, and adhere to State and Federal regulations and compliance standards.In This Role You Will:Analyze credit data to determine the degree of risk involved in extending creditMake decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal lawsDevelop sufficient dealer relationships that ensure volume objectives and credit qualityCapture automotive finance contracts that meet GM Financial profitability criteria for pricing and performanceEnsure compliance with applicable policies and proceduresEnsure branch office cooperation with other departments to maximize efficiency within the companyEnsure all queues are worked to acceptable service levelsPerform outbound telemarketing calls to the dealer customerConduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basisEnsure proper documentation is received on all dealsNegotiate loan termsCommunicate clearly and effectively with a wide variety of internal and external people, both in formal and informal circumstances, and where necessary to gain their agreement and acceptance
Qualifications:What Makes You a Dream CandidateKnowledge of sales, credit and funding processes in consumer financeKnowledge of motor vehicle retail installment documentationKnowledge of the companys credit policiesWorking knowledge of consumer credit, credit laws and regulationsKnowledge of the retail automobile finance industryKnowledge of indirect retail auto financingKnowledge of State and Federal regulatory requirementsKnowledge consumer finance and banking environmentStrong analytical and problem solving skillsSuperior customer relations skillsEffective communication skills including verbal, written, and presentationSales skills necessary to develop and maintain productive dealer relationshipsNegotiation skillsExperienceHigh School Diploma or equivalent requiredBachelors Degree preferred2-3 years of relevant experience preferredWhat 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 eligibilityWork Life Balance:
Flexible hybrid work environment, 2-days a week in office#LI-KAI1
Why GM Financial?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 mattersResponsibilities:About The Role:The Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers, and other finance and credit sources. In addition, the Senior Credit Analyst will manage relationships and negotiate with automobile dealers, administer inbound applications and phone calls, and adhere to State and Federal regulations and compliance standards.In This Role You Will:Analyze credit data to determine the degree of risk involved in extending creditMake decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal lawsDevelop sufficient dealer relationships that ensure volume objectives and credit qualityCapture automotive finance contracts that meet GM Financial profitability criteria for pricing and performanceEnsure compliance with applicable policies and proceduresEnsure branch office cooperation with other departments to maximize efficiency within the companyEnsure all queues are worked to acceptable service levelsPerform outbound telemarketing calls to the dealer customerConduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basisEnsure proper documentation is received on all dealsNegotiate loan termsCommunicate clearly and effectively with a wide variety of internal and external people, both in formal and informal circumstances, and where necessary to gain their agreement and acceptance
Qualifications:What Makes You a Dream CandidateKnowledge of sales, credit and funding processes in consumer financeKnowledge of motor vehicle retail installment documentationKnowledge of the companys credit policiesWorking knowledge of consumer credit, credit laws and regulationsKnowledge of the retail automobile finance industryKnowledge of indirect retail auto financingKnowledge of State and Federal regulatory requirementsKnowledge consumer finance and banking environmentStrong analytical and problem solving skillsSuperior customer relations skillsEffective communication skills including verbal, written, and presentationSales skills necessary to develop and maintain productive dealer relationshipsNegotiation skillsExperienceHigh School Diploma or equivalent requiredBachelors Degree preferred2-3 years of relevant experience preferredWhat 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 eligibilityWork Life Balance:
Flexible hybrid work environment, 2-days a week in office#LI-KAI1