GM Financial Hiring For Gmf Sr Credit Analyst I Zone A at Sugar Land, TX 77478, United States Full Time

Overview:
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. Responsibilities:
JOB DUTIES

• 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 GM Financial profitability criteria for pricing and performance
• Ensure compliance with applicable policies and procedures
• Ensure branch office cooperation with other departments to maximize efficiency within the company
• Ensure all queues are worked to acceptable service levels
• Perform outbound telemarketing calls to the dealer customer
• Conduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis
• Ensure proper documentation is received on all deals
• Perform other duties as assigned
• Conform with all company policies and procedures

Qualifications:
Knowledge

• Knowledge of sales, credit and funding processes in consumer finance
• Knowledge of motor vehicle retail installment documentation
• Knowledge of the Companyxe2x80x99s credit policies
• Working knowledge of consumer credit, credit laws and regulations
• Knowledge of the retail automobile finance industry
• Knowledge of indirect retail auto financing
• Knowledge of State and Federal regulatory requirements
• Knowledge consumer finance and banking environment

Skills

• Strong work ethic
• Strong analytical and problem solving skills
• Effective communication skills including verbal, written and presentation
• Excellent credit underwriting skills
• Superior customer relations skills
• Sales skills necessary to develop and maintain productive dealer relationships
• Negotiation skills
• Ability to work under pressure and make decisions in a fast-paced environment
• Ability to professionally represent GM Financial
• Ability to multi-task

Education

• High School Diploma or equivalent required
• Bachelorxe2x80x99s Degree preferred

Experience

• 2-3 years of relevant experience preferred

Working Conditions

• Strong focus on providing quality service to internal and external customers
• Work a flexible schedule including extended business hours, weekends and holidays
• 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

Salary: The range for this role is: USD $22.55 to $41.68 per hour. At GM Financial, we strive for transparency in all aspects of our business, including pay equity. This is the GM Financial pay range for this role and job level. The exact salary and compensation will vary based on factors like knowledge, skills, experience, and education. This role is eligible to participate in a performance-based incentive plan. Full time employees are eligible to participate in health benefits on day one of employment.