Commercial Credit Analyst I - CVL

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 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 filledWhat makes You an ideal candidate? Ability to handle high call and application volumes and manage competing demandsFast-paced office environment, subject to daily service level requirementsStrong focus on providing quality service to internal and external customersMay be required to work additional hours based on production demands requiring overtimeLimited travel may be required to support business needsKnowledge of credit underwriting preferredKnowledge of dealership, fleet/commercial and indirect auto finance industry operations preferredUnderstanding of dealer operations preferredBasic understanding of accounting principles and credit bureausAbility to interface with all levels of management.Ability to make sound business decisions based on policies and procedures.Able to meet deadlines.Knowledge of Microsoft Office (Word, Excel, PowerPointDetailed oriented and capable of managing multiple opportunities simultaneously.Excellent customer service skills.Must be self-motivated and able to work independentlyOral/written communication and interpersonal skills.Additional 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 Previous automotive lending and/or credit buying experience PrefHigh School Diploma or equivalent RequiredAssociate DegreeBachelor’s Degree in Accounting, Finance or in related field PreferredMaster’s Degree#GMFJobs #LI-Hybrid #LI-TL1About the role:The Commercial Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential commercial customers. The Analyst develops and maintains positive business relationships with dealers, field sales staff and supporting departments within GM Financial, and renders appropriate credit decisions for commercial financing requests.In this role you will: Analyze commercial credit applications to determine the degree of risk involved in extending credit and make prudent business decisions to approve or deny the extension of credit within established credit authority.Some analysis of financial statements, collateral, debt service, personal financial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction.Develop and maintain business relationships with dealership personnel that ensure volume objectives and credit quality.Effectively maintain consistent purchase policy based on dealer support, portfolio liquidation, and management direction.Perform outbound calls to GM dealer body in an effort to educate on GM Financial Commercial products to increase and establish captive relationshipDevelop and maintain basic knowledge of CVL plans, products and programs.Screen appropriate commercial parties to ensure GMF compliance with U.S Patriot ActEnsure all queues are worked to acceptable CVL service levels.Support internal and external sales as required to complement sales activities.Full timePosting Date: 2026-08-19