General Motors

GMF Sr Credit Analyst I - Zone C

General Motors • $70K — $95K *
Seattle, WA 98115In-Person
Finance & Insurance
Less than 5 years of experience
2 weeks ago
Job Overview by Ladders

Qualifications

  • Bachelor's Degree preferred and High School Diploma or equivalent required.
  • 2-3 years of relevant experience preferred.
  • Strong analytical and problem-solving skills.
  • Effective communication skills: verbal, written, and presentation.
  • Ability to use AI tools to support daily work.

Responsibilities

  • Analyze credit data to assess risk in extending credit.
  • Decide on approving or denying credit based on established authority.
  • Develop dealer relationships to meet credit volume and quality goals.
  • Capture automotive finance contracts that align with profitability criteria.
  • Ensure compliance with applicable policies, procedures, and regulations.

Benefits

  • 401K matching starting from day one.
  • 12 weeks of bonding leave for new parents at 100% pay.
  • Tuition assistance and training provided.
  • GM employee auto discounts.
  • Nine company holidays and community service pay.
Full Job Description
Job Description

Responsibilities

About the role

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.

In this role you will:
  • 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.


Qualifications

What makes You an ideal candidate?
  • 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 work ethic.
  • 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.
  • Ability to work under pressure and make decisions in a fast-paced environment.
  • Ability to professionally represent GM Financial.
  • Ability to multi-task.
  • 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.


Education & Work Experience
  • High School Diploma or equivalent required
  • Bachelor's Degree preferred
  • 2-3 years of relevant experience preferred


Additional Knowledge and Skills

Working effectively within an AI enabled environment:
  • Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
  • Skills in evaluating AI outputs for accuracy, compliance, and bias
  • Experience integrating AI into workflows to improve efficiency or insights
  • Familiarity with AI assisted research, summarization, and content generation
  • Understanding of responsible AI use, including ethics and data protection


What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.

Compensation: Competitive pay and bonus eligibility.

Work Life Balance: Flexible hybrid work environment, 2-days a week in office.

NOTE:We are unable to consider candidates who require visa sponsorship for this position

This position is not open to agency submissions

#GMFJobs #LI-Hybrid #LI-AV1

About General Motors

General Motors Company engages in the manufacture and sale of cars and trucks in the United States, China, Brazil, Germany, the United Kingdom, Canada, and Italy. It offers sedans, crossovers, sport utility vehicles, pick-up trucks, coupes, sports/convertibles and hybrid vehicles, hatchbacks/wagons, and vans, as well as mini cars in India. The company also provides parts and accessories, such as iPod and MP3 compatibility, mobility accessories, performance parts, AC parts and services, and merchandise. In addition, it offers vehicle safety, security, and information services. The company provides used vehicles. It offers its products through dealers and distributors. General Motors Company was formerly known as NGMCO, Inc. and changed its name to General Motors Company in July 2009. The company was incorporated in 2009 and is based in Detroit, Michigan. It operates manufacturing facilities in India, the United States, and Canada. General Motors Company operates as a subsidiary of the United States Department of The Treasury. General Motors led global vehicle sales for 77 consecutive years from 1931 through 2007, longer than any other automaker, and is currently among the world's largest automakers by vehicle unit sales. General Motors acts in most countries outside the USA via wholly-owned subsidiaries but operates in China through 10 joint ventures. GM's OnStar subsidiary provides vehicle safety, security, and information services. In 2009, General Motors shed several brands, closing Saturn, Pontiac, and Hummer, and emerged from a government-backed Chapter 11 reorganization. In 2010, GM made an initial public offering IPOs to date and returned to profitability later that year.

General Motors Careers

Join the dynamic team at General Motors, a global leader in automotive innovation and technology. At General Motors, we offer unparalleled job opportunities that propel your career forward while contributing to a legacy of engineering excellence.

Work You’ll Do

Embark on a career with General Motors to drive the future of mobility. Our team is dedicated to redefining the automotive landscape through innovation and leadership in electric vehicles and sustainable solutions. By joining us, you will be part of a culture that values diversity, teamwork, and continuous professional growth.

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Innovate and Lead

At General Motors, innovation is at the core of everything we do. From research and development to manufacturing, our teams work collaboratively to lead the industry with cutting-edge technologies and sustainable practices. We encourage our employees to think big and push the boundaries of what’s possible.

Join Our Global Team

As part of our global workforce, you will collaborate with talented individuals who are passionate about shaping the future of transportation. General Motors offers a variety of career paths in engineering, design, IT, marketing, and more. With over 155,000 employees worldwide, our network provides expansive opportunities for networking and professional development.

Internship Programs and Employment Benefits

Start your career journey with a General Motors internship, where you can apply your academic knowledge to real-world projects. Our internships provide a robust foundation in the automotive industry, with mentorship from experienced leaders. Full-time employees enjoy a wealth of benefits, including comprehensive health care, retirement plans, and performance bonuses, ensuring that your hard work is rewarded.

Explore Job Opportunities

Whether you’re a seasoned professional or a recent graduate, General Motors offers positions that leverage your unique skills. Our hiring process is designed to identify and nurture talent, focusing on aligning your capabilities with the right opportunities for growth within the company.

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Customize your subscription to receive job alerts, latest news, and insider tips tailored to your preferences. Discover the exciting and rewarding career opportunities available at General Motors. Embark on a journey of growth, innovation, and leadership at General Motors. Shape your future in an environment that fosters diversity, learning, and the pursuit of excellence. Join us and redefine the roads of tomorrow.
Learn more about General Motors
Size
157,000 employees
Market Cap
$46.9 billion
Industry
Manufacturing & Automotive
Net Income
$6.4 billion
Founded
1908
5 Year Trend
-3.2%
Revenue
$122.4 billion
NASDAQ
GM
* Ladders Estimates

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