Senior Credit Analyst I

GM Financial

. Research and analyze credit risks and assess credit history .

Posted 9/23/2026full-timeLynnwood • Washington • United StatesSenior💰 $61,000 - $116,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in consumer finance, credit risk assessment, and regulatory compliance within the automotive finance industry. Proficient in utilizing AI tools to enhance workflows and ensure accurate credit evaluations.

Highest-signal resume keywords

Credit Risk AssessmentConsumer Finance KnowledgeRegulatory ComplianceAI Integration ExperienceAutomotive Industry Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit History AnalysisAutomotive Finance ContractsIndirect Retail Auto FinancingMotor Vehicle Retail Installment DocumentationSales ProcessesFunding ProcessesCredit Policies KnowledgeConsumer Credit LawsAI Tools ProficiencyMultitasking Ability

Soft Skills

Professional RepresentationDecision-Making Under PressureProblem-SolvingCollaborationCommunication

Tools & Technologies

Microsoft CopilotAI-Assisted Research Tools

Industry Keywords

Automotive Finance IndustryConsumer FinanceCredit RiskRegulatory RequirementsDealer Relationships

About the role

Key responsibilities & impact

Research and analyze credit risks and assess credit history
Approve or deny extensions of credit within established credit authority and applicable laws
Develop dealer relationships to support volume objectives and credit quality
Capture automotive finance contracts meeting profitability criteria for pricing and performance
Coordinate with other departments to maximize branch office efficiency
Ensure all queues are worked to acceptable service levels
Conduct joint dealer calls with the Dealer Relationship Manager as needed
Perform outbound telemarketing calls to dealer customers
Establish and track monthly goals for assigned dealers
Ensure proper documentation is received on all deals
Partner with dealers and internal teams to support loan volume growth, maintain credit quality, ensure regulatory compliance, and provide service throughout the financing process

Requirements

What you’ll need

Knowledge of consumer finance and banking environment
Knowledge of state and federal regulatory requirements
Knowledge of indirect retail auto financing
Knowledge of motor vehicle retail installment documentation
Knowledge of sales, credit, and funding processes in consumer finance
Knowledge of the Company’s credit policies
Knowledge of the retail automobile finance industry
Working knowledge of consumer credit, credit laws, and regulations
Ability to use AI tools such as Microsoft Copilot
Ability to evaluate 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
Ability to multitask
Ability to professionally represent GM Financial
Ability to work under pressure and make decisions in a fast-paced environment
2–3 years of underwriting/sales in the automotive industry preferred
High School Diploma or equivalent required
Must be able to work in a fast-paced office environment and meet daily service level requirements
Limited travel may be required
Must be able to deal with stressful office conditions while troubleshooting problems
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
Competitive pay and bonus eligibility
Flexible hybrid work environment
Health benefits available on day one of employment