Commercial Credit Analyst - Underwriting

Why GMF?

GM Financial International Operations conducts business in Latin America and China. International Operations offers a wide range of wholesale and retail automotive financing products to dealers and their customers. The strength of the international business lies in its ability to tailor its products to meet unique dealer needs, consumer preferences and national requirements in local markets. Latin American country operations include Brazil, Chile, Colombia, Mexico, and Peru.

About the role

The commercial lending risk analyst is responsible for analyzing financial statements, credit data and internal information to determine a risk rating and a recommendation to establish a new credit facility or to renew the customer’s current credit lines from Brazil and Colombia. Through a credit review, the analyst will document and submit their assessment for approval to Risk/Operations as required.

What you need

Essential:

1. Underwriting experience with Commercial credit analysis (e.g. financial statements, income statements, cash flow and other financial analysis);
2. Degree level educated in Business Administration, Economy, Engineer or Accountancy;
3. Fluent in English verbal and written – other languages advantageous;

Preferable:

1. Previous experience in wholesale operations;

Skills & Knowledge

1. Fluent in English verbal and written – other languages advantageous;
2. Knowledge of financial statements and risk indicators;
3. Ensure understanding of credit policies and procedures established;
4. Highly self-motivated and able to work well under pressure;
5. Analytical mind-set, business results oriented, ethical and high integrity;
6. Ability to effectively prioritize and execute tasks;
7. Good planning and organizational skills;
8. Excellent verbal and written communication skills;
9. Ideally knowledge of the car financing sector/market (this is a plus);
10. High analytical capacity and problem solving ability;
11. General knowledge of Microsoft Office tools (Excel, PowerPoint, Word) to work with regular spreadsheets, word documents and presentations;
12. Sense of responsibility;
13. Strong interpersonal skills and teamwork.

What you will be doing

Underwriter must be able to work with other departments, office branches, and/or end-customer to effectively complete the assessment and obtain the approval/rejection. Must quickly understand and adhere to established policies and procedures.

What we offer

At GM Financial we want you to be the most authentic version of yourself. We take care of your work-life balance by programming wellness and integration activities, where you will strengthen your relationships with peers and contribute towards the development and wellbeing of your community, while providing you with a competitive salary and benefits. Some of our global benefits include Extended Maternity & Paternity Leaves, Personal Days & Community Investment hours.

Brazil: Additional benefits include transportation assistance, food assistance, medical assistance, gympass, life insurance and others.

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Disclaimer

Brazil - GM Financial is an Equal Opportunity Employer and is committed to diversity and inclusion at every level of our organization. We do not discriminate against any applicant or employee based on race, color, age, gender, marital status, national origin, religion, sexual orientation, gender identity, veteran status or disability.