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ACF Sr Credit Analyst I - Zone A

Location
San Antonio, Texas
Remote Working
Remote Working
Job Type
Permanent
Posted
6 Sep 2022
The Senior 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.

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 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
  • Perform other duties as assigned
  • Conform with all company policies and procedures
REPORTING RELATIONSHIP

ACF Credit Manager - Zone A US

Knowledge
  • 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 Companys credit policies
  • Knowledge of the retail automobile finance industry
  • Working knowledge of consumer credit, credit laws, and regulations
Skills
  • Ability to multi-task
  • Ability to professionally represent GM Financial
  • Ability to work under pressure and make decisions in a fast-paced environment
  • Credit underwriting skills
  • Customer relations skills
  • Display commitment to continuous improvement of business
  • Effective communication skills including verbal, written, and presentation
  • Innovative thinker with strong ability for strategic vision
  • Negotiation skills
  • Sales skills necessary to develop and maintain productive dealer relationships
  • Strong analytical and problem solving skills
  • Strong work ethic
Education
  • High School Diploma or equivalent required
Experience
  • 2-3 years of underwriting/sales in the automotive industry preferred
Working Conditions
  • Normal office environment subject to stressful situations
  • Subject to loud noise and harsh language from customers
  • Strong focus on providing quality service to internal and external customers
  • Flexible schedule with possibility of working long hours including weekends/holidays, occasional overtime or split shifts may be required
  • 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
Requisition ID: 7

External Company URL:

Street: 7550 IH - 10 West

Hybrid (Combo of work from home and in-assigned office location): Yes

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Details

  • Job Reference: 705440168-2
  • Date Posted: 6 September 2022
  • Recruiter: GM Financial
  • Location: San Antonio, Texas
  • Remote Working: Some remote working possible
  • Salary: On Application
  • Sector: Insurance & Superannuation
  • Job Type: Permanent