?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.
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
Knowledge of sales, credit and funding processes in consumer finance
Working knowledge of consumer credit, credit laws and regulations
Knowledge of the retail automobile finance industry
Knowledge of indirect retail auto financing
Knowledge of the Companys credit policies
Knowledge of motor vehicle retail installment documentation
Knowledge of State regulatory requirements
Knowledge of Federal regulatory requirements
Knowledge consumer finance and banking environment
Ability to work under pressure
Strong analytical and problem solving skills
Effective oral and written communication skills
Ability to positively motivate, develop, coach and lead others
Credit underwriting skills
Presentation and communication skills
Strong work ethic
Customer relations skills
Ability to multitask
Innovative thinker with strong ability for strategic vision
Display commitment to continuous improvement of business
Sales skills necessary to develop and maintain productive dealer relationships
Ability to professionally represent GM Financial
Ability to work under pressure and make decisions in a fast-paced environment
High School Diploma required
Bachelors Degree preferred
2-3 years experience preferred
Occasional overtime or split shifts may be required;Subject to stressful situations;harsh language from customers;normal office environment;Strong focus on providing quality service to internal and external customers;Work a flexible schedule including extended business hours, weekends and holidays;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