Senior Credit Analyst, Zone A

GM Financial

. Research and analyze credit risks and assess credit history .

Posted 10/27/2026full-timeSan Antonio • Texas • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates expertise in credit risk assessment, consumer finance regulations, and automotive finance processes. Proficient in utilizing AI tools to enhance workflow efficiency and ensure compliance with credit policies.

Highest-signal resume keywords

Credit Underwriting SkillsKnowledge Of Consumer FinanceKnowledge Of State And Federal RegulationsExperience In Automotive IndustryAbility To Use AI Tools

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisCredit History AssessmentAutomotive Finance ContractsIndirect Retail Auto FinancingMotor Vehicle Retail Installment DocumentationSales ProcessesFunding ProcessesCredit Policies KnowledgeConsumer Credit KnowledgeCredit Laws And Regulations

Tools & Technologies

Microsoft CopilotAI-Assisted ResearchAI Content Generation

Certifications & Qualifications

High School Diploma Or Equivalent

Industry Keywords

Automotive Finance IndustryDealer RelationshipsCredit QualityBranch EfficiencyTelemarketing CallsMonthly Goals Tracking

About the role

Key responsibilities & impact

Research and analyze credit risks and assess credit history
Approve or deny extensions of credit within established authority and State/Federal laws
Develop dealer relationships supporting volume objectives and credit quality
Capture automotive finance contracts meeting GM Financial profitability criteria for pricing and performance
Coordinate with other departments to maximize branch efficiency
Work all queues to acceptable service levels
Conduct joint dealer calls with Dealer Relationship Managers 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

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
Credit underwriting skills
Ability to use AI tools, such as Microsoft Copilot, to support daily work
Skills in evaluating AI outputs for accuracy, compliance, and bias
Experience integrating AI into workflows to improve efficiency or insights
Familiarity with AI-assisted research, summarization, and content generation
Understanding of responsible AI use, including ethics and data protection
2-3 years of underwriting/sales in the automotive industry preferred
High School Diploma or equivalent required
Candidates requiring visa sponsorship cannot be considered

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