Strategic Credit Analyst - National Credit Center

GM Financial Chandler, AZ

The GM Strategic Credit Analyst is responsible for researching and analyzing credit applications, assessing credit history for acceptable risk and then 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. The team member will be responsible for overseeing the credit relationship to an assigned set of dealers. This team member will provide quality customer service by satisfying the credit needs of the dealer. This role is a field based position in one of our 15 Regional Credit Centers. This will require the team member to relocate to a permanent center within the U.S. after successful completion of the credit training program and based on business needs. This role requires relocation to Chandler, AZ upon hire to attend training prior to final relocation.



* 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 strong dealer relationships that ensure volume objectives and credit quality.

* Increase GMF Market Share with assigned dealers.

* 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

* Perform outbound telemarketing calls to assigned dealer personnel.


Reports to: Strategic Credit Manager

Direct Reports: None



* Knowledge of consumer credit and indirect auto financing

* Knowledge of credit laws and regulations

* Knowledge of dealership operations and indirect auto finance

* Able to meet deadlines and establish objectives

* Working knowledge of


* Ability to independently evaluate and make consistent, quality credit decisions that produce acceptable ratios and returns for the company.

* Excellent oral and written communication skills.

* Strong analytical skills required. Strong work ethic.

* Superior customer relations skills.

* Must be proficient in computer software such as, Excel, Word and PowerPoint.


* Must have successfully completed the Credit Services Certification.

* 1-2 years in consumer finance industry, underwriting or auto finance preferred.

* 1-2 years sales experience preferred.

* Bachelor's degree with emphasis on marketing business preferred. Equivalent experience can be substituted for degree.