Credit Analyst

Senior Credit AnalystGM 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.This position will be posted until filled.ResponsibilitiesThe 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 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 customerConduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis.Ensure proper documentation is received on all deals.Negotiate loan terms.Communicate 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.QualificationsWhat makes You an ideal candidate?Knowledge of sales, credit and funding processes in consumer finance.Knowledge of motor vehicle retail installment documentation.Knowledge of the Company's 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.Strong work ethic.Strong analytical and problem solving skills.Superior customer relations skills.Effective communication skills including verbal, written, and presentation.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.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.Education & Work ExperienceHigh School Diploma or equivalent requiredBachelor's Degree preferred2-3 years of relevant experience preferredAdditional Knowledge and SkillsAbility to use AI tools (e.g., Microsoft Copilot) to support daily workSkills in evaluating AI outputs for accuracy, compliance, and biasExperience integrating AI into workflows to improve efficiency or insightsFamiliarity with AI assisted research, summarization, and content generationUnderstanding of responsible AI use, including ethics and data protectionWhat 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: $61,000 - $116,000Work Life Balance: Flexible hybrid work environment, 2-days a week in office.NOTE: We are unable to consider candidates who require visa sponsorship for this positionThis position is not open to agency submissionsAt 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.Job InfoJob Identification 260335Job Category Dealer ServicesPosting Date 06/11/2026, 01:10 PMJob Schedule Full timeLocations 20700 44th Ave West, Lynnwood, WA, 98036, US (Hybrid)