Americredit Sr Credit Analyst Ii

Overview:Responsibilities:

• Ensure compliance with applicable policies and procedures
• Conduct joint dealer calls with Dealer Relationship Manager (DRM) on an as needed basis
• Perform outbound telemarketing calls to the dealer customer
• Ensure branch office cooperation with other departments to maximize efficiency within the company
• May provide training or assistance to lower level Credit Analysts
• Ensure all queues are worked to acceptable service levels
• Analyze credit data to determine the degree of risk involved in extending credit
• Capture automotive finance contracts that meet Americredit/GM Financial profitability criteria for pricing and performance
• 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
• Establish and track monthly goals for assigned dealers, and ensure proper documentation is received on all deals
• Perform other duties as assigned
• Conform with all company policies and procedures

Qualifications:

• Knowledge of indirect retail auto financing
• Knowledge of the retail automobile finance industry
• Knowledge consumer finance and banking environment
• Working knowledge of consumer credit, credit laws and regulations
• Knowledge of State and Federal regulatory requirements
• Knowledge of motor vehicle retail installment documentation
• Knowledge of sales, credit and funding processes in consumer finance
• Knowledge of the Company’s credit policies

• Ability to multi-task
• Innovative thinker with strong ability for strategic vision
• Display commitment to continuous improvement of business
• Strong analytical and problem solving skills
• Excellent negotiation skills
• Excellent credit underwriting skills
• Effective communication skills including verbal, written, and presentation
• Ability to professionally represent GM Financial
• Strong work ethic
• Sales skills necessary to develop and maintain productive dealer relationships
• Ability to positively motivate, develop, coach and lead others
• Customer relations skills
• Ability to work under pressure and make decisions in a fast-paced environment

• High School Diploma or equivalent required

• 2-3 years of underwriting, management, or sales leadership required

• Strong focus on providing quality service to internal and external customers
• Subject to loud noise
• 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
• Some travel required
• Harsh language from customers
• Normal office environment subject to stressful situations

Salary: The range for this role is: USD $28.7 to $53.13 per hour. At GM Financial, we strive for transparency in all aspects of our business, including pay equity. This is the GM Financial pay range for this role and job level. The exact salary and compensation will vary based on factors like knowledge, skills, experience, and education. This role is eligible to participate in a performance-based incentive plan. Full time employees are eligible to participate in health benefits on day one of employment.