Credit Analyst Bilingual

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 Credit Analyst is responsible for evaluating consumer and commercial credit applications, analyzing financial information and credit reports, and making sound lending decisions while ensuring compliance with company policies and risk guidelines. This role builds strong relationships with automotive dealers, negotiates loan terms, provides exceptional customer service, and helps drive business growth by balancing credit risk with customer and dealer needs.

In this role you will: 

• Analyze information received from credit applications and credit reporting agencies to make prudent credit decisions.
• Maintaining/exceeding 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.
• Assessing credit worthiness of prospective customers and approving / recommending credit terms and limits appropriate to the customer’s requirements on
• Establish dealer relationships by building rapport through telephone contact.
• Ability to take initiative and work in a team environment to deliver excellent customer service in meeting turnaround times by processing requests.
• 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.
• Excellent listening skills.
• 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.