Overview: The Senior Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers, and other finance and credit sources. In addition, the Senior Credit Analyst will manage relationships and negotiate with automobile dealers, administer inbound applications and phone calls, and adhere to State and Federal regulations and compliance standards. Responsibilities: JOB DUTIES
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
Perform other duties as assigned
Conform with all company policies and procedures
Qualifications: Knowledge
Knowledge of sales, credit and funding processes in consumer finance
Knowledge of motor vehicle retail installment documentation
Knowledge of the Company\xe2\x80\x99s 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
Skills
Strong work ethic
Strong analytical and problem solving skills
Effective communication skills including verbal, written and presentation
Excellent credit underwriting skills
Superior customer relations skills
Sales skills necessary to develop and maintain productive dealer relationships
Negotiation skills
Ability to work under pressure and make decisions in a fast-paced environment
Ability to professionally represent GM Financial
Ability to multi-task
Education
High School Diploma or equivalent required
Bachelor\xe2\x80\x99s Degree preferred
Experience
2-3 years of relevant experience preferred
Working Conditions
Strong focus on providing quality service to internal and external customers
Work a flexible schedule including extended business hours, weekends and holidays
Subject to daily service level requirements
Limited travel may be required to support business needs
Must be able to deal with stressful office conditions while troubleshooting problems
Salary: The range for this role is: USD $22.55 to $41.68 per hour. At GM Financial, we strive for transparency in all aspects of our business, including pay equity. This is the GM Financial pay range for this role and job level. The exact salary and compensation will vary based on factors like knowledge, skills, experience, and education. This role is eligible to participate in a performance-based incentive plan. Full time employees are eligible to participate in health benefits on day one of employment.
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