GM Financial is General Motors’ captive automotive finance company, providing financing and leasing solutions for consumers, dealerships, commercial customers, and fleets. Its services include vehicle financing, lease management, prequalification, account and mobile payment tools, electric vehicle financing, lease-end support, commercial lending, fleet solutions, and investor products. The company brings together automotive, financial services, and business lending expertise across its consumer and commercial operations.
Senior Credit Analyst I at GM Financial (Hybrid, Raleigh, NC)
Evaluate automotive finance risk for GM Financial while making credit decisions, managing dealer relationships, and processing profitable contracts. The hybrid Raleigh role supports portfolio growth, service performance, and credit quality.
Description
- Assess credit data and determine lending risk.
- Approve or decline credit applications within delegated authority and applicable state and federal regulations.
- Build dealer relationships that support volume targets and credit quality.
- Process automotive finance contracts that meet profitability standards.
- Coordinate across departments to improve branch efficiency.
- Manage assigned queues to established service-level standards.
- Join Dealer Relationship Managers on dealer calls when needed.
- Make outbound telemarketing calls to dealer customers.
- Set and monitor monthly objectives for assigned dealers.
- Confirm that every transaction includes the required documentation.
- Work with dealers and internal teams to grow the portfolio while preserving credit quality.
- Review financial information, track performance objectives, and process credit transactions promptly.
Requirements
- Understanding of consumer finance and banking operations.
- Knowledge of applicable state and federal regulatory requirements.
- Knowledge of indirect retail automotive financing.
- Familiarity with motor vehicle retail installment documentation.
- Knowledge of consumer finance sales, credit, and funding processes.
- Knowledge of GM Financial credit policies.
- Understanding of the retail automotive finance industry.
- Working knowledge of consumer credit laws and regulations.
- Ability to represent GM Financial professionally.
- Ability to perform under pressure and make decisions in a fast-paced setting.
- Commitment to ongoing business improvement.
- Strong verbal, written, and presentation communication skills.
- Innovative approach and strategic perspective.
- Sales ability to build and sustain productive dealer relationships.
- Ability to use AI tools such as Microsoft Copilot.
- Ability to assess AI-generated outputs for accuracy, compliance, and bias.
- Experience incorporating AI into work processes.
- Familiarity with AI-supported research, summarization, and content creation.
- Understanding of responsible AI practices, including ethics and data protection.
- High school diploma or equivalent required.
- Two to three years of automotive-industry underwriting or sales experience preferred.
- Must not require visa sponsorship.
Benefits
- 401(k) matching.
- Twelve weeks of fully paid bonding leave for new parents.
- Tuition assistance.
- Training opportunities.
- GM employee vehicle discount.
- Paid time for community service.
- Nine company holidays.
- Bonus eligibility.
- Flexible hybrid work environment.