Commercial Credit Analyst II - Underwriting

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

This position will be posted until filled

About the role:

The Commercial Credit Analyst II - Underwriting completes financial analysis for floorplan acquisitions, loan proposals and renewals/modifications of existing credit lines. This includes analysis of automotive dealerships financial statements, accurate reporting of findings, ensuring corporate compliance and risk management, as well as contact with dealership personnel and communication with internal/external stakeholders. Provides appropriate recommendations and supporting documentation and mitigate risk.

In this role you will:

Accurately analyze financial statements of automotive dealerships and affiliates including fixed charged coverage ratio, bank reconciliation, assigning accurate risk ratings and provide appropriate recommendations to mitigate risk

Interfacing with customers and internal/external stakeholders to obtain data to complete analysis

Prepare accurate and concise proposals/modifications for credit committee approval

What makes You an ideal candidate?

Advanced knowledge of credit underwriting

Extensive knowledge of accounting, financial statement analysis, cash flow and dealer workout

Knowledge of dealership, fleet/commercial and indirect auto finance industry operations

Knowledge of Microsoft Office

Knowledge of reporting and analytics

Knowledge of Salesforce.com

Understanding of commercial lending with emphasis in captive automotive dealership financing

Understanding of dealer operations

Ability to interface with all levels of management

Ability to make sound business decisions based on policies and procedures

Able to meet deadlines

Customer service skills

Detailed oriented and capable of managing multiple opportunities simultaneously

Excellent analytical skills

Excellent oral/written communication and interpersonal skills

Must be self-motivated and able to work independently

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

Work Experience & Education

High energy and fast paced environment subject to stressful situations

Hybrid work arrangement, allowing work from the office and remotely

3-5 years of directly related experience in financial analysis and experience in automotive dealership commercial lending environment Pref

High School Diploma

Associate Degree

Bachelor’s Degree in Accounting, Finance or in related field or equivalent work experience Required

Master’s Degree

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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, 3-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

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