AmeriCredit Sr Credit Analyst I - Military Veterans
at GM Financial
Overview
Please note we have three openings for this position.
Why AmeriCredit?
We've spent the past 30+ years creating a culture that's second to none in the auto finance industry. Other employers only talk about their culture - we actually live it every day. It's the primary reason that approximately 50% of our team members have been here for more than 5 years. Sure, we could mention that AmeriCredit is a division of GM Financial, the wholly owned captive finance subsidiary of General Motors, a Fortune 50 company. That might be what attracts talent to our team but it's our culture that keeps them coming back.
Our culture is what has driven AmeriCredit success and what's allowed us to build strong, lasting relationships with our dealers and consumer customers that we serve. But mostly, our culture is what allows us to prioritize employee development, to create a diverse, equitable and inclusive environment and to enrich their professional experience where they can discover, thrive and belong.
If you are looking for an environment that welcomes new ideas, fosters integrity and creates a sense of community and belonging, AmeriCredit just might be your dream employer.
Responsibilities
About the AmeriCredit Senior Credit Analyst, I role:
We are looking for energized business development partners to join our credit team. You will be responsible for developing relationships with our auto dealer partners, researching and analyzing credit risks, assessing credit history, and approving or denying extension of credit to potential customers. You will be trained and empowered to bring value to our dealer partners through our programs and negotiations. You will work collaboratively with our field sales team as well as other company departments to grow our business.
If you consider yourself a self-motivated, solutions-driven, relationship builder with a passion for auto finance; apply to be a part of the AmeriCredit Team today.
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
- Drive to capture automotive finance contracts that meet AmeriCredit profitability criteria for pricing and performance
Qualifications
What makes you a dream candidate:
- Motivated to perform outbound telemarketing calls to the dealer customer
- Knowledge of sales, credit, and funding processes in consumer finance
- Fearless negotiation and sales skills necessary to develop and maintain productive dealer relationships
- Effective communication skills including verbal, written, and presentation
- Innovative thinker with strong ability for strategic vision
Experience
- High School Diploma or equivalent required.
- 2-3 years of underwriting/sales in the automotive industry preferred
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
#LI-KAI1
Cincinnati, OH
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 Asia. 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.
OUR BUSINESS & OUR HISTORY
GM Financial was founded as AmeriCredit in September 1992 and opened its first branch office in Fort Worth, Texas. On October 1, 2010, AmeriCredit Corp. was acquired by General Motors Company and renamed General Motors Financial Company, Inc. (GM Financial). In 2011, GM Financial acquired FinanciaLinx to serve GM dealers and customers throughout Canada. In November 2012, GM Financial announced the acquisition of Ally Financial Inc.’s international operations. The majority of those acquisitions were finalized in 2013, with the remaining market, a 35 percent equity interest in a joint venture in China, acquired in January 2015. In October 2017, GM Financial completed the sale of its European financial subsidiaries and branches as part of General Motors’ sale of the Opel and Vauxhall businesses to Peugeot S.A.
GM Financial provides auto finance solutions to 14,000 dealers worldwide, with earning assets of $93 billion at September 30, 2018.
CORPORATE GOVERNANCE
GM Financial's success is largely dependent on building strong, lasting relationships with our dealers and the consumer customers that we serve. This is why we are committed to providing best-in-class customer service, while promoting open, honest communication at all levels.
Our executive team and all employees must adhere to GM Financial's Code of Business Conduct and Ethics. Our Code outlines the principles by which all team members conduct business with customers, vendors and each other. These principles apply to all GM Financial team members and affiliates and although it does not cover every issue that may arise, the Code provides guidelines for all employees in regard to their business conduct.
For a deeper understanding of expectations and guidelines set forth for the entire GM Financial team, please review GM Financial's Code of Business Conduct and Ethics policies below.