Credit Analyst

Why GM Financial?

GM Financial is the wholly owned captive finance subsidiary of General Motors. We are a global provider of auto finance solutions. We offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.

Our team members define and shape our culture — an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive. We are looking for people who want to embark on a career journey where you are satisfied at work, and you are using your skills to create a positive impact.

Our goal is to create remarkable customer experiences from the moment you engage a customer. Even if you've never worked in customer service, you've certainly been a customer. At GM Financial, our collections team partners with customers to customize a payment plan through an engaging and unique service experience.

If you consider yourself a team player, solutions-driven, a strong communicator and have a heart and mind for helping customers who need your help; apply to be a part of the GM Financial Team.

About the role-

The Credit Analyst will be responsible for researching, analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers (Consumer & Commercial). The analyst will have daily contact with other departments within the corporation, as well as automotive dealers and other finance sources.

• Analyze credit applications and credit reports to make sound credit decisions in line with company policies and guidelines.
• Evaluate financial information and maintain/exceed established standards while adhering to all credit procedures.
• Escalate applications exceeding discretionary limits with detailed recommendations for approval.
• Conduct reference checks, gather documentation, and prepare comprehensive credit recommendations.
• Communicate with dealers and internal teams regarding accounts pending credit approval to ensure timely processing.
• Perform due diligence on all credit applications and clarify policy-related inquiries for peers and clients.
• Negotiate loan terms and conditions with dealers within established approval and exception guidelines.
• Assess and interpret financial statements to determine creditworthiness and manage risk effectively.
• Provide professional customer service through inbound and outbound calls related to applications, programs, rates, and residual values.
• Support positive dealer relationships by delivering accurate information and meeting turnaround times.

What makes you the dream candidate?

• Strong knowledge of the automotive industry, finance, statistics, and consumer credit practices.
• Advanced analytical and computer skills with the ability to interpret complex data.
• Demonstrated ability to apply statistical measurements quickly and accurately.
• Effective written and verbal communication skills for clear and professional interactions.
• Highly detail-oriented with strong organizational skills to manage multiple tasks under tight deadlines.
• Adaptive and flexible, capable of working independently with minimal supervision.

Experience

• 1 year of lending experience preferred
• Minimum education of a College or University business diploma or equivalent experience.

What we offer:

• Excellent Health, Vision and Dental Benefits
• Company Match program for RRSP contributions
• Generous Paid Time Off (personal, vacation, sick, paid holidays)
• Casual Dress Code - Dynamic relationships between teams and leadership
• Quarterly Volunteer Opportunities
  Hybrid work schedule offered; ability to work a portion of your week from home