Commercial Credit Analyst II - Underwriting

Job-ID: 260992Category: Dealer ServicesLocation: Irving, TX, United StatesWorkplace: HybridSchedule: Full timePosted: 2026-09-22Why 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 businessesAt 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 thriveOur Purpose: We pioneer the innovations that move and connect people to what mattersThis position will be posted until filledQualificationsWhat makes You an ideal candidate? Advanced knowledge of credit underwritingExtensive knowledge of accounting, financial statement analysis, cash flow and dealer workoutKnowledge of dealership, fleet/commercial and indirect auto finance industry operationsKnowledge of Microsoft OfficeKnowledge of reporting and analyticsKnowledge of Salesforce.comUnderstanding of commercial lending with emphasis in captive automotive dealership financingUnderstanding of dealer operationsAbility to interface with all levels of managementAbility to make sound business decisions based on policies and proceduresAble to meet deadlinesCustomer service skillsDetailed oriented and capable of managing multiple opportunities simultaneouslyExcellent analytical skillsExcellent oral/written communication and interpersonal skillsMust be self-motivated and able to work independentlyAdditional Knowledge and SkillsWorking effectively within an AI enabled environment: Ability 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 protection Work Experience & Education High energy and fast paced environment subject to stressful situationsHybrid work arrangement, allowing work from the office and remotely3-5 years of directly related experience in financial analysis and experience in automotive dealership commercial lending environment PrefHigh School DiplomaAssociate DegreeBachelor’s Degree in Accounting, Finance or in related field or equivalent work experience RequiredMaster’s Degree#GMFJobs #LI-Hybrid #LIWhat 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 eligibility.Work Life Balance: Flexible hybrid work environment, 3-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 submissions#GMFJobs #LI-Hybrid #LI-TL1ResponsibilitiesAbout the role:The Commercial Credit Analyst II - Underwriting completes financial analysis for floorplan acquisitions, loan proposals and renewals/modifications of existing credit lines. This includes analysis of automotive dealerships financial statements, accurate reporting of findings, ensuring corporate compliance and risk management, as well as contact with dealership personnel and communication with internal/external stakeholders. Provides appropriate recommendations and supporting documentation and mitigate risk.In this role you will: Accurately analyze financial statements of automotive dealerships and affiliates including fixed charged coverage ratio, bank reconciliation, assigning accurate risk ratings and provide appropriate recommendations to mitigate riskInterfacing with customers and internal/external stakeholders to obtain data to complete analysisPrepare accurate and concise proposals/modifications for credit committee approval