Credit Analyst - National Credit Center

US-AZ-Chandler
Requisition ID
2017-30579
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.      

REPORTING RELATIONSHIP:

Reports to: Credit Manager

Direct Reports: None    

 

Qualifications

Knowledge:    

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

Skills:      

  • 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 have successfully completed the Credit Services Certification.    
  • 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 CONDITION:

High energy and fast paced office environment, subject to stressful situations. Work schedule will include some nights, weekends and holidays.

(Hours of Operation Mon-Sun 8-8 (non-traditional shifts may be required)

 

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