Sr Credit Analyst

Job description

Why GM Financial? GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, 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. At GM Financial, 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. Our Purpose: We pioneer the innovations that move and connect people to what matters. Please note we have two openings for this role. This position will be posted until filled.

Responsibilities About the Role The Sr. 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. An employee in this position will be required to interact with clients and third parties who may only understand and communicate in English. This position also requires that the candidate be able to interact fluidly with colleagues in our offices across Canada and the United States, where English is the predominant language. As we evaluate that a significant percentage of the work required by this position is to be performed in English, the language requirements for this position are a high level of reading comprehension and writing as well as a beginner level of oral communication. In this role you will:

- Analyze information received from credit applications and credit reporting agencies to make prudent credit decisions

- Maintaining/exceeding established standards and targets while adhering to all credit policies, procedures and guidelines.

- Escalate with recommendation those credit applications that exceed discretionary limits and established guidelines

- Assessing credit worthiness of prospective customers and approving / recommending credit terms and limits appropriate to the customer’s requirements on Consumer & Commercial accounts

- Establish dealer relationships by building rapport through telephone contact.

- Ability to take initiative and work in a team environment to deliver excellent customer service in meeting turnaround times by processing requests.

- Flexible, reliable, conscientious and able to follow directions.

- Perform due diligence in support of all credit applications.

- Negotiate terms and conditions of loan decisions with dealers within established approval/exception guidelines.

- Excellent listening skills.

- Sound knowledge of assessing and reviewing financial statements to ensure credit worthiness vs. acceptable level of risk by interpreting and applying the corporation’s credit and operational risk management strategies.

- Promote and provide a high standard of service to dealers and other areas within the company/adhering to service standard guidelines.

- Support both inbound and outbound calls with a focus on providing professional customer service related to consumer/commercial applications, programs, rates and vehicle residual values to maintain positive relationships.

- Maintain good channels of communication with all business units including interaction with senior leadership team.

- Contribute to operational improvements to streamline procedures/processes and enhance service.

Qualifications What makes You an ideal candidate?

- Knowledge of basic lending principles

- Knowledge and understanding of basic credit bureau reports

- Knowledge and understanding of detailed financial statement and ratio analysis

- Knowledge of standard office software.

- Automotive lending and/or leasing experience would be considered a definite asset

- Written and oral English is a must, bilingual French is preferred.

- Excellent report writing and communication skills (written and verbal).

- Excellent Communication and interpersonal skills.

- Successful Candidate must be able to work in a fast paced, high pressure environment

- The successful candidate must be detailed oriented, open to change, be able to work independently, be a team player, and organized.

- Requires strong analytical and problem-solving skills with the ability to underwrite loans and mitigate risk.

- Requires the ability to successfully negotiate business transactions with automotive dealers

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

Working Conditions

- Office environment

- Varying shift work between 8am-8pm including some Saturdays 9-5

- Normal environment

Work Experience & Education

- Minimum education of a College or University business diploma or equivalent experience.

- Minimum of 2 years automotive direct lending experience is required

What We Offer

- Excellent Health, Vision and Dental Benefits.

- Company Match program for RRSP contributions

- Generous Paid Time Off (personal, vacation, sick, paid holidays)

- Dynamic relationships between teams and leadership

- Quarterly Volunteer Opportunities

- Hybrid work schedule offered; ability to work a portion of your week from home

Our Culture: Our team members define and shape our culture — an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive. Work Life Balance: Flexible hybrid work environment, 3-days a week in office (Tuesday, Wednesday and Thursday)

This posting is for a vacancy. The base range for this role is: $61,000 - $109,500 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 after 30 days of employment.

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