Why GM Financial?
GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, U.S. We are a global provider of auto finance solutions, with operations in North America, South America, and the Asia Pacific region. Through our long-standing relationships with auto dealers, we offer attractive retail financing and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses.
At GM Financial, our team members define and shape our culture — an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.
Our Purpose: We pioneer the innovations that move and connect people to what matters.
ResponsibilitiesAbout the Role
The ACF Sr. Credit Analyst I evaluates credit applications and dealer financing opportunities to assess risk and make sound credit decisions within established lending authority. This role partners with dealers and internal teams to support portfolio growth, maintain credit quality, and ensure contract profitability while managing dealer relationships, analyzing financial information, monitoring performance goals, and ensuring accurate and timely processing of credit transactions.
In this role you will:
- 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 Americredit/GM Financial profitability criteria for pricing and performance
- 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 Relationship Manager (DRM) 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
What makes You an ideal candidate?
- Knowledge consumer finance and banking environment
- Knowledge of State and Federal regulatory requirements
- Knowledge of indirect retail auto financing
- Knowledge of motor vehicle retail installment documentation
- Knowledge of sales, credit, and funding processes in consumer finance
- Knowledge of the Company’s credit policies
- Knowledge of the retail automobile finance industry
- Working knowledge of consumer credit, credit laws, and regulations
- Ability to professionally represent GM Financial
- Ability to work under pressure and make decisions in a fast-paced environment
- Display commitment to continuous improvement of business
- Effective communication skills including verbal, written, and presentation
- Innovative thinker with strong ability for strategic vision
- Sales skills necessary to develop and maintain productive dealer relationships
Additional Knowledge and Skills
Working effectively within an AI enabled environment:
- Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
- Skills in evaluating AI outputs for accuracy, compliance, and bias
- Experience integrating AI into workflows to improve efficiency or insights
- Familiarity with AI assisted research, summarization, and content generation
- Understanding of responsible AI use, including ethics and data protection
Working conditions
- Fast-paced office environment.
- Strong focus on providing quality service to internal and external customers.
- 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.
Work Experience
- 2-3 years of underwriting/sales in the automotive industry preferred
- High School Diploma or equivalent required
What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.
Our Culture: Our team members define and shape our culture — an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.
Compensation: Competitive pay and bonus eligibility.
Work Life Balance: Flexible hybrid work environment, 2-days a week in office.
NOTE: We are unable to consider candidates who require visa sponsorship for this position
This position is not open to agency submissions
#GMFJobs #LI-Hybrid #LI-AV1
Skills Required
- High School Diploma or equivalent
- 2-3 years of underwriting or sales experience in the automotive industry
- Knowledge of consumer finance and banking
- Knowledge of state and federal regulatory requirements
- Knowledge of indirect retail automotive financing
- Knowledge of motor vehicle retail installment documentation
- Knowledge of sales, credit, and funding processes in consumer finance
- Knowledge of company credit policies
- Knowledge of the retail automobile finance industry
- Working knowledge of consumer credit laws and regulations
- Professional communication and presentation skills
- Ability to make decisions in a fast-paced environment
- Sales skills for developing and maintaining dealer relationships
- Ability to use AI tools such as Microsoft Copilot
- Ability to evaluate AI outputs for accuracy, compliance, and bias
- Experience integrating AI into workflows
- Understanding of responsible AI use, ethics, and data protection
GM Financial Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about GM Financial and has not been reviewed or approved by GM Financial.
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Strong & Reliable Incentives — Annual and performance bonuses are described as meaningful additions to total compensation. In several functions, incentives reliably boost take-home pay when available.
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Leave & Time Off Breadth — Generous paid time off, corporate and floating holidays, and paid volunteer time are emphasized. Time-away programs contribute significantly to perceived total rewards.
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Parental & Family Support — Paid parental leave and family-friendly policies are highlighted, with recent expansions mentioned in some areas. Support for bonding time is seen as a notable strength of the package.
GM Financial Insights
What We Do
GM Financial is the captive finance company and the wholly owned subsidiary of General Motors and is headquartered in Fort Worth, Texas. The company is a global provider of auto finance solutions, with operations in North America, Latin America and China. Through our long-standing relationships with auto dealers, we offer attractive retail loan and lease programs to meet the needs of each customer. We also offer commercial lending products to dealers to help them finance and grow their businesses. GM Financial employs more than 9,000 hard-working team members, and we're always looking for new people with diverse talents. GM Financial is a workplace where dedicated people have the opportunity to work together and celebrate our successes. Our culture is based on respect, integrity, innovation and personal development. GM Financial is committed to strengthening the communities where we live and work. Each year, we select several philanthropic organizations to support through our Signature Events program. The company and its team members actively support these organizations through many company-wide initiatives; in addition we support numerous other nonprofit organizations through sponsorships and monetary donations.
