Commercial Credit Analyst II – Underwriting

GM Financial

. Complete financial analysis for floorplan acquisitions, loan proposals, and renewals/modifications of existing credit lines .

Posted 9/22/2026full-timeIrving • Texas • United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates advanced knowledge of credit underwriting and financial analysis within the automotive dealership financing sector, with a strong emphasis on compliance, risk management, and effective communication with stakeholders.

Highest-signal resume keywords

Credit UnderwritingFinancial Statement AnalysisAutomotive Dealership OperationsMicrosoft OfficeAI Integration in Workflows

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial AnalysisCash Flow AnalysisRisk Rating AssignmentBank ReconciliationReporting and AnalyticsFixed Charge Coverage Ratio AnalysisProposal PreparationCommercial LendingDealer WorkoutAI Evaluation Skills

Soft Skills

Customer Service SkillsExcellent Analytical SkillsOral/Written Communication SkillsInterpersonal SkillsDetail Oriented

Tools & Technologies

Salesforce.comMicrosoft CopilotAI Tools

Industry Keywords

Automotive Dealership FinancingFleet/Commercial FinanceIndirect Auto FinanceCorporate ComplianceRisk Management

Tech Stack

Tools & technologies

SFDC

About the role

Key responsibilities & impact

Complete financial analysis for floorplan acquisitions, loan proposals, and renewals/modifications of existing credit lines
Analyze automotive dealerships’ and affiliates’ financial statements
Perform fixed charge coverage ratio analysis and bank reconciliation
Assign accurate risk ratings and provide recommendations to mitigate risk
Accurately report findings while ensuring corporate compliance and risk management
Interface with customers and internal/external stakeholders to obtain data
Communicate with dealership personnel and stakeholders
Prepare accurate and concise proposals/modifications for credit committee approval
Provide appropriate recommendations and supporting documentation

Requirements

What you’ll need

Advanced knowledge of credit underwriting
Extensive knowledge of accounting, financial statement analysis, cash flow and dealer workout
Knowledge of dealership, fleet/commercial and indirect auto finance industry operations
Knowledge of Microsoft Office
Knowledge of reporting and analytics
Knowledge of Salesforce.com
Understanding of commercial lending with emphasis in captive automotive dealership financing
Understanding of dealer operations
Ability to interface with all levels of management
Ability to make sound business decisions based on policies and procedures
Able to meet deadlines
Customer service skills
Detailed oriented and capable of managing multiple opportunities simultaneously
Excellent analytical skills
Excellent oral/written communication and interpersonal skills
Must be self-motivated and able to work independently
Ability to use AI tools such as Microsoft Copilot
Skills in evaluating AI outputs for accuracy, compliance, and bias
Experience integrating AI into workflows
Familiarity with AI-assisted research, summarization, and content generation
Understanding of responsible AI use, including ethics and data protection
3–5 years of directly related experience in financial analysis and automotive dealership commercial lending environment preferred
Bachelor’s Degree in Accounting, Finance or a related field or equivalent work experience required
Must not require visa sponsorship

Benefits

Comp & perks

401K matching
Bonding leave for new parents: 12 weeks, 100% paid
Tuition assistance
Training
GM employee auto discount
Community service pay
Nine company holidays
Bonus eligibility
Flexible hybrid work environment
Competitive pay