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 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 risk
• Interfacing with customers and internal/external stakeholders to obtain data to complete analysis
• Prepare accurate and concise proposals/modifications for credit committee approval