ACF Sr Credit Analyst I - Zone A
GM Financial
Cincinnati, OH · Posted October 22, 2026
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How AI is used in this kind of work
AI is already used for some of the tasks in credit analysts work. Measured exposure for credit analysts: 17% (some).
Share of this job’s tasks that AI is already used for at work, from real usage. It is not a forecast of job loss, and a low number means no use seen yet. Source: Anthropic Economic Index.
About the job
Why GM Financial?
GM Financial is the wholly owned captive finance subsidiary of General Motors and is headquartered in Fort Worth, TX. 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 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.
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
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
What makes You an ideal candidate?
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
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
Experience & Education
2-3 years of underwriting/sales in the automotive industry preferred
High School Diploma or equivalent required
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.
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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