• Commercial Credit Analyst I - CVL

    Job Locations US-TX-Irving
    Requisition ID
    Employee Type
    Full Time-Regular
    Commercial Lending / Wholesale Lending
  • Overview

    ​The Commercial Credit Analyst is responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential commercial customers. Develops and maintains positive business relationships with dealers, field sales staff and supporting departments within GMF. Render appropriate credit decisions for commercial financing requests.



    • Analyze commercial credit applications to determine the degree of risk involved in extending credit and make prudent business decisions to approve or deny the extension of credit within established credit authority.
    • Analyzes financial statements, collateral, debt service, personal financial statements and personal cash flow, as applicable to the size and complexity of the commercial transaction.
    • Develop and maintain business relationships with dealership personnel that ensure volume objectives and credit quality.
    • Effectively maintain consistent purchase policy based on dealer support, portfolio liquidation and management direction.
    • Perform outbound telemarketing calls to GM dealer body in an effort to educate on GMF Commercial products to increase and establish captive relationship
    • Develop and maintain basic knowledge of CVL plans, products and programs. Screen appropriate commercial parties to ensure GMF compliance with U.S Patriot Act
    • Ensure all queues are worked to acceptable CVL service levels.
    • Support internal and external sales as required to complement sales activities.
    • Perform other duties as assigned.



    • Understanding of commercial lending with emphasis in captive automotive dealership financing
    • Understanding of dealer operations
    • Advanced knowledge of reporting and analytics
    • Knowledge of Salesforce.com
    • Advanced knowledge of Microsoft Office
    • Knowledge of dealership, fleet/commercial and indirect auto finance industry operations
    • Advanced knowledge of credit underwriting
    • Knowledge of company policies and procedures
    • Knowledge of accounting, financial statement analysis, cash flow and dealer workout


    • Innovative thinker with strong ability for strategic vision
    • Ability to interface with all levels of management
    • Detailed oriented and capable of managing multiple opportunities simultaneously
    • Excellent oral/written communication and interpersonal skills
    • Must be self-motivated and able to work independently
    • Excellent persuasive communication and presentation skills
    • Excellent analytical skills
    • Project management skills
    • Excellent customer service skills
    • Ability to make sound business decisions based on policies and procedures
    • Able to meet deadlines
    • Team player with strong leadership and motivational skills


    • Bachelor’s Degree Accounting, Finance or related field required


      • 0-2 Years
        Experience in automotive lending environment Preferred


    • 2-3 Years of credit buying experience Preferred

    Work Condition

    • Occasional overtime or split shifts may be required;Fast-paced office environment;Strong focus on providing quality service to internal and external customers;Work additional hours based on production demands requiring mandatory overtime;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


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