Senior Credit Analyst I – Zone A

GM Financial

. Research and analyze credit risks and assess credit history .

Posted 10/23/2026full-timeCincinnati • Ohio • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk analysis, underwriting, and consumer finance within the automotive industry, while effectively managing dealer relationships and ensuring compliance with regulatory requirements.

Highest-signal resume keywords

Credit Underwriting SkillsKnowledge Of Consumer FinanceKnowledge Of State And Federal Regulatory RequirementsSales Skills Necessary To Develop Dealer RelationshipsStrong Analytical And Problem-Solving Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisUnderwritingConsumer Credit KnowledgeIndirect Retail Auto FinancingMotor Vehicle Retail Installment DocumentationCredit Policies KnowledgeFunding Processes KnowledgeAnalytical SkillsDocumentation SkillsTelemarketing Skills

Soft Skills

Customer Relations SkillsEffective Communication SkillsNegotiation SkillsAbility To Multi-TaskStrong Work Ethic

Industry Keywords

Automotive IndustryCredit History AssessmentDealer RelationshipsConsumer Finance EnvironmentRetail Automobile Finance Industry

About the role

Key responsibilities & impact

Research and analyze credit risks and assess credit history
Analyze credit data to determine risk involved in extending credit
Approve or deny credit extensions within established authority and applicable State/Federal laws
Develop dealer relationships supporting volume objectives and credit quality
Capture automotive finance contracts meeting profitability criteria for pricing and performance
Ensure branch office cooperation with other departments
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

Requirements

What you’ll need

2-3 years of underwriting/sales in the automotive industry preferred
High School Diploma or equivalent required
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 multi-task
Ability to professionally represent GM Financial
Ability to work under pressure and make decisions in a fast-paced environment
Credit underwriting skills
Customer relations skills
Effective verbal, written, and presentation communication skills
Negotiation skills
Sales skills necessary to develop and maintain productive dealer relationships
Strong analytical and problem-solving skills
Strong work ethic
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