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GM Financial

Senior Credit Analyst I

GM Financial

. Analyze credit data to determine risk in extending credit .

Posted 10/9/2026full-timeRaleigh • North Carolina • United StatesSeniorWebsite

Core Competencies

Role fit
Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in consumer finance, including knowledge of credit policies, regulatory requirements, and automotive finance documentation. Proven ability to develop dealer relationships, analyze credit data, and utilize AI tools to enhance workflow efficiency.

Highest-signal resume keywords
Consumer Finance KnowledgeCredit AnalysisDealer Relationship ManagementAI Tool UtilizationRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Credit Data AnalysisAutomotive Finance ContractsIndirect Retail Auto FinancingFinancial Information AnalysisCredit Transaction Processing
Soft Skills
Effective CommunicationInnovative ThinkingDecision-Making Under PressureSales SkillsCommitment to Continuous Improvement
Tools & Technologies
Microsoft CopilotAI-Assisted Research Tools
Industry Keywords
Automotive IndustryRetail Automobile FinanceConsumer Credit LawsState and Federal RegulationsMotor Vehicle Retail Installment Documentation

About the role

Key responsibilities & impact
  • Analyze credit data to determine risk in extending credit
  • Approve or deny credit within established authority and state/federal laws
  • Develop dealer relationships supporting volume objectives and credit quality
  • Capture automotive finance contracts meeting profitability criteria
  • Coordinate with other departments to maximize branch efficiency
  • Work all queues 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 for all deals
  • Partner with dealers and internal teams to support portfolio growth and maintain credit quality
  • Analyze financial information, monitor performance goals, and ensure timely processing of credit transactions

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 professionally represent GM Financial
  • Ability to work under pressure and make decisions in a fast-paced environment
  • Commitment to continuous business improvement
  • Effective verbal, written, and presentation communication skills
  • Innovative thinking and strategic vision
  • Sales skills to develop and maintain productive dealer relationships
  • 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
  • High School Diploma or equivalent required
  • 2–3 years of underwriting/sales experience in the automotive industry preferred
  • 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