Senior Credit Analyst evaluating credit risk for GM Financial. Analyzing credit history and collaborating with internal departments and dealers for credit approvals.
Responsibilities
Analyze credit data to determine the degree of risk involved in extending credit
Make decisions to approve or deny the extension of credit within set credit authority established by senior management and State/Federal laws
Develop sufficient dealer relationships that ensure volume objectives and credit quality
Capture automotive finance contracts that meet GM Financial profitability criteria for pricing and performance
Ensure compliance with applicable policies and procedures
Ensure branch office cooperation with other departments to maximize efficiency within the company
Ensure all queues are worked to acceptable service levels
Perform outbound telemarketing calls to the dealer customer
Conduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis
Ensure proper documentation is received on all deals
Negotiate loan terms
Communicate clearly and effectively with a wide variety of internal and external people, both in formal and informal circumstances, and where necessary to gain their agreement and acceptance
Requirements
Knowledge of sales, credit and funding processes in consumer finance
Knowledge of motor vehicle retail installment documentation
Knowledge of the company’s credit policies
Working knowledge of consumer credit, credit laws and regulations
Knowledge of the retail automobile finance industry
Knowledge of indirect retail auto financing
Knowledge of State and Federal regulatory requirements
Knowledge consumer finance and banking environment
Strong analytical and problem solving skills
Superior customer relations skills
Effective communication skills including verbal, written, and presentation
Sales skills necessary to develop and maintain productive dealer relationships
Negotiation skills
High School Diploma or equivalent required, Bachelor’s Degree preferred
2-3 years of relevant experience preferred
Benefits
Generous benefits package available on day one to include: 401K matching
bonding leave for new parents (12 weeks, 100% paid)
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