Credit Analyst Bilingual

Overview

Why GM Financial Credit?

Do you like being busy and have a stellar attention to detail? Do you have a passion for the auto finance industry? If so, start a career with the GM Financial Credit Center. We underwrite consumer and commercial lease transactions, and near-prime auto finance applications from the 450+ General Motors dealerships in Canada.

In addition to underwriting applications, we work with auto dealers to find solutions to help General Motors sell more cars and trucks. We are committed to excellence, quality, and teamwork. Every day is an adventure, and the Credit Center is always ready to tackle new roads ahead so join us to kick it into overdrive, earning customers for life! Come join the excitement and learn something new!

Role Overview: You will be responsible for researching, analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers (Consumer & Commercial). The analyst will have daily contact with other departments within the corporation, as well as automotive dealers and other finance sources.

Responsibilities

About this role:

• Analyze information received from credit applications and credit reporting agencies to make prudent credit decisions.
• Maintain/exceed established standards and targets while adhering to all credit policies, procedures, and guidelines.
• Escalate with recommendation those credit applications that exceed discretionary limits and established guidelines.
• Assess credit worthiness of prospective customers and approving/recommending credit terms and limits appropriate to the customer's requirements on Consumer & Commercial accounts.
• Establish dealer relationships by building rapport through telephone contact.
• Take initiative and work in a team environment to deliver excellent customer service in meeting turnaround times by processing requests.
• Be flexible, reliable, conscientious, and able to follow directions.
• Perform due diligence in support of all credit applications.
• Negotiate terms and conditions of loan decisions with dealers within established approval/exception guidelines.
• Have sound knowledge of assessing and reviewing financial statements to ensure credit worthiness vs acceptable level of risk by interpreting and applying the corporation's credit and operational risk management strategies.
• Promote and provide a high standard of service to dealers and other areas within the company/adhering to service standard guidelines.
• Support both inbound and outbound calls with a focus on providing professional customer service related to consumer/commercial applications, programs, rates, and vehicle residual values to maintain positive relationships.
• Maintain good channels of communication with all business units including interaction with senior leadership team.
• Contribute to operational improvements to streamline procedures/processes and enhance service.

Qualifications

What makes you a dream candidate?

• You possess strong analytical and problem-solving skills.
• You are an innovative thinker with strong ability for strategic vision.
• You have the ability to analyze credit data to determine the degree of risk involved in extending credit.
• You achieve required credit quality and productivity by ensuring all queues are worked to acceptable service levels.
• You have knowledge of consumer finance and banking environment.
• You have the ability to work under pressure and make decisions in a fast-paced environment.
• You have excellent negotiation skills.
• You have a strong work ethic.
• You ensure credit center office cooperation with other departments to maximize efficiency within the company.
• You possess customer relations skills.

Experience:

• High School Diploma or equivalent required.
• Associate degree with emphasis in Marketing/Finance, or related field, or equivalent experience preferred.
• 0-2 years background in consumer finance industry, auto finance preferred.
• Must be able to service customers in English and French; this is a bilingual position.

What We Offer

• Excellent Health, Vision, and Dental Benefits.
• Bi-lingual Pay Differential if you’re fluent in French.
• Company Match program for RRSP contributions.
• Generous Paid Time Off (personal, vacation, sick, paid holidays).
• Casual Dress Code.
• Dynamic relationships between teams and leadership.
• Quarterly Volunteer Opportunities.
• Hybrid work schedule offered; ability to work a portion of your week from home.

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