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ACF Sr Credit Analyst I - Zone A
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GM Financial
Raleigh, NC (In Person)
Full-Time
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Job Description
ACF Sr Credit Analyst I - Zone A GM Financial - 3.6 Raleigh, NC Job Details Full-time 2 hours ago Qualifications Customer communication Research High school diploma or GED Full Job Description 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. 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 Knowledge and Skills 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 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 Work Experience 2-3 years of underwriting/sales in the automotive industry preferred Education High School Diploma or equivalent required