ACF Sr Credit Analyst I - Zone C

Location: Lynnwood, WA, United States; hybrid work with 2 days per week in the office.

Salary: $61,000–$116,000 per year, plus bonus eligibility.

Company

hirify.global is General Motors’ captive finance subsidiary providing automotive finance solutions, retail financing, leasing, and commercial lending products through operations in North America, South America, and the Asia Pacific region.

What you will do

• Research and analyze credit data to determine risk when extending consumer credit.
• Approve or deny credit within established authority and applicable state and federal laws.
• Develop dealer relationships, support volume objectives, and maintain credit quality.
• Capture automotive finance contracts that meet profitability criteria for pricing and performance.
• Coordinate with internal departments, work queues to service-level standards, and ensure complete deal documentation.
• Conduct joint dealer calls, outbound telemarketing calls, and track monthly goals for assigned dealers.

Requirements

• High School Diploma or equivalent.
• Knowledge of the consumer finance and banking environment, consumer credit, credit laws, and regulations.
• Knowledge of state and federal regulatory requirements.
• Knowledge of indirect retail automotive financing and motor vehicle retail installment documentation.
• Knowledge of sales, credit, and funding processes in consumer finance.
• Knowledge of the company’s credit policies and the retail automobile finance industry.
• Ability to multitask, professionally represent hirify.global, work under pressure, and make decisions in a fast-paced environment.
• Ability to use AI tools such as Microsoft Copilot, evaluate AI outputs for accuracy, compliance, and bias, integrate AI into workflows, and apply responsible AI practices including ethics and data protection.

Nice to have

• 2–3 years of underwriting or sales experience in the automotive industry.
• Associate, Bachelor’s, or Master’s degree.

Culture & Benefits

• Flexible hybrid work environment with 2 days per week in the office.
• Health benefits available on the first day of employment.
• 401(k) matching, tuition assistance, and training.
• Bonding leave for new parents: 12 weeks, 100% paid.
• GM employee auto discount, community service pay, and nine company holidays.
• Fast-paced office environment with service-level requirements, flexible scheduling, possible long hours, stressful conditions, and limited business travel.

Hiring process

• The position is posted until filled.
• Agency submissions are not accepted.
• Visa sponsorship is not available.