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Credit Analyst - National Credit Center

at GM Financial

Posted: 4/9/2019
Job Reference #: 35027
Keywords: compliance

Job Description

  • Job LocationsUS-AZ-Chandler
    Requisition ID
    2019-35027
    Employee Type
    Full Time-Regular
    Category
    Credit / Underwriting
    Travel
    Not Applicable
  • Overview

    The 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.

    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 credit center office cooperation with other departments, to maximize efficiency within the company
    • Achieve required credit quality and productivity by ensuring all queues are worked to acceptable service levels
    • As required, perform outbound telemarketing calls to the dealer customer
    • Perform other duties as assigned
    • Conform with all corporate policies and procedures

    Qualifications

    Knowledge

    • Knowledge consumer finance and banking environment
    • Knowledge of 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 State regulatory requirements
    • Knowledge of the Company’s credit policies
    • Knowledge of the retail automobile finance industry
    • Working knowledge of consumer credit, credit laws and regulations

    Skills

    • Ability to multitask
    • Ability to positively motivate, develop, coach and lead others
    • Ability to professionally represent GM Financial
    • Ability to work under pressure and make decisions in a fast-paced environment
    • Credit underwriting skills
    • Customer relations skills
    • Display commitment to continuous improvement of business
    • Effective oral and written communication skills
    • Excellent negotiation skills
    • Innovative thinker with strong ability for strategic vision
    • Sales skills necessary to develop and maintain productive dealer relationships
    • Strong analytical and problem solving skills
    • Strong work ethic

    Education

    • High School Diploma ?or GED required
    • Associate Degree with emphasis on Marketing/Finance equivalent experience can be substituted for degree preferred

    Experience

    • 0-2 years background in consumer finance industry, auto finance preferred

    Working Conditions

    • Occasional overtime or split shifts may be required
    • Subject to loud noise
    • Subject to stressful situations
    • Harsh language from customers
    • Some travel required
    • Normal office environment
    • Fast-paced office environment
    • Strong focus on providing quality service to internal and external customers
    • Work a flexible schedule including extended business hours, weekends and holidays
    • Work additional hours based on production demands requiring mandatory overtime
    • Flexible schedule with possibility of working long hours
    • 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
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    Application Instructions

    Please click on the link below to apply for this position. A new window will open and direct you to apply at our corporate careers page. We look forward to hearing from you!