GMF Credit Analyst - Zone D

US-NJ-Paramus
Requisition ID
2017-29443
Employee Type
Full Time-Regular
Category
Credit / Underwriting
Travel
Not Applicable

Overview

BASIC FUNCTION

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 branch office cooperation with other departments, to maximize efficiency within the company.
  • Ensure all queues are worked to acceptable service levels.
  • Conduct joint dealer calls with Dealer Account Representative (DAR) on an as needed basis.
  • Perform outbound telemarketing calls to the dealer customer.
  • Establish and track monthly goals for assigned dealers.
  • Ensure proper documentation is received on all deals.


OTHER IMPORTANT DUTIES

  • Perform related duties as needed.


REPORTING RELATIONSHIP

Reports to: Credit Manager
Subordinates: None

Qualifications

QUALIFICATIONS

 

Knowledge

  • Working knowledge of consumer credit, including knowledge of credit laws and regulations.
     

Skills 

  • Sales skills necessary to develop and maintain productive dealer relationships.
  • Ability to independently evaluate and make consistent, quality credit decisions that produce acceptable ratios and returns for the company.
  • Effective oral and written communication skills.
  • Good analytical skills required.
  • Strong work ethic.
  • Superior customer relations skills.
     

Experience 

  • Must complete credit certification training annually.
  • .

Some background in consumer finance industry, auto finance preferred.

 

  • High School Diploma or GED required.
  • College degree with emphasis on marketing/finance preferred. Equivalent experience can be substituted for degree.
     

WORK CONDITIONS

High energy and fast paced office environment, subject to stressful situations. Must be available for weekend and after hours work.

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