About this role
JOB DESCRIPTION
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
RESPONSIBILITIES
About the role:
The Commercial Credit Analyst II - Underwriting is responsible for analyzing the financial performance and creditworthiness of automotive dealerships, preparing credit recommendations, and supporting lending decisions while ensuring compliance with company policies and risk management standards. This role partners with dealers and internal stakeholders to gather and evaluate financial data, mitigate risk, and deliver accurate credit proposals that support business growth and portfolio quality
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 riskInterfacing with customers and internal/external stakeholders to obtain data to complete analysisPrepare accurate and concise proposals/modifications for credit committee approval
QUALIFICATIONS
What makes You an ideal candidate?
Advanced knowledge of credit underwritingExtensive knowledge of accounting, financial statement analysis, cash flow and dealer workoutKnowledge of dealership, fleet/commercial and indirect auto finance industry operationsKnowledge of Microsoft OfficeKnowledge of reporting and analyticsKnowledge of Salesforce.comUnderstanding of commercial lending with emphasis in captive automotive dealership financingUnderstanding of dealer operationsAbility to interface with all levels of managementAbility to make sound business decisions based on policies and proceduresAble to meet deadlinesCustomer service skillsDetailed oriented and capable of managing multiple opportunities simultaneouslyExcellent analytical skillsExcellent oral/written communication and interpersonal skillsMust be self-motivated and able to work independentlyHigh energy and fast paced environment subject to stressful situationsHybrid work arrangement, allowing work from the office and remotely Additional Knowledge and Skills
Working effectively within an AI enabled environment: Ability to use AI tools (e.g., Microsoft Copilot) to support daily workSkills in evaluating AI outputs for accuracy, compliance, and biasExperience integrating AI into workflows to improve efficiency or insightsFamiliarity with AI assisted research, summarization, and content generationUnderstanding of responsible AI use, including ethics and data protection Work Experience & Education
3-5 years of directly related experience in financial analysis and experience in automotive dealership commercial lending environment preferredHigh School DiplomaAssociate DegreeBachelor's Degree in Accounting, Finance or in related field or equivalent work experience requiredMaster's Degree #GMFJobs #LI-Hybrid #LI-TL1