• Credit Analyst - National Credit Center

    Job Locations US-AZ-Chandler
    Requisition ID
    Employee Type
    Full Time-Regular
    Credit / Underwriting
  • 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.  



    • 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



    • Extensive knowledge of sales, credit and funding processes in consumer finance
    • Knowledge of sales, credit and funding processes in consumer finance
    • Working knowledge of consumer credit, credit laws and regulations
    • Extensive knowledge of the retail automobile finance industry
    • Knowledge of the retail automobile finance industry
    • Advanced knowledge of indirect retail auto financing
    • Knowledge of indirect retail auto financing
    • Advanced knowledge of the Company’s credit policies
    • Knowledge of the Company’s 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
    • Excellent negotiation skills
    • Negotiation skills
    • Excellent credit underwriting skills
    • Credit underwriting skills
    • Strong presentation and communication skills
    • Presentation and communication skills
    • Strong work ethic
    • Superior customer relations skills
    • 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 ​or GED      required
    • Associate Degree with emphasis on marketing/finance. Equivalent experience can be substituted for degree.             preferred
    • Bachelor’s Degree N/A.


    • 0-2 Years ​Some background in consumer finance industry, auto finance .      

    Work Condition

    • Occasional overtime or split shifts may be required;Subject to loud noise;Subject to stressful situations;harsh language from customers;some travel required;normal office environment;Fast-paced office environment;Strong focus on providing quality service to internal and external customers;Work a flexible schedule including extended business hours, weekends and holidays;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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