Senior Credit Analyst I

Role Overview

• The Senior Credit Analyst evaluates and manages credit risk by reviewing credit histories and financial data to determine whether to approve or decline credit requests.
• Collaborate closely with internal teams, automobile dealers, and external finance and credit partners.
• 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.

Requirements

• 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 work under pressure and make decisions in a fast-paced environment
• Credit underwriting skills and customer relations skills
• 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
• Strong analytical and problem solving skills
• High School Diploma or equivalent required
• 2-3 years of underwriting/sales in the automotive industry preferred

Benefits

• 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
• nine company holidays