ACF Sr Credit Analyst I (Finance)

TL;DR

Sr Credit Analyst (Finance): Analyzing credit data and managing risk for automotive financing with an accent on dealer relationship management and credit underwriting. Focus on approving/denying credit extensions, ensuring regulatory compliance, and optimizing portfolio profitability.

Location: Hybrid (San Antonio, TX). Must be based in the US; no visa sponsorship provided

Company

AmeriCredit is a division of hirify.global, the wholly-owned captive finance subsidiary of General Motors, a Fortune 50 company.

What you will do

• Analyze credit data to determine risk levels involved in extending credit.
• Make decisions to approve or deny credit extensions within established authority and State/Federal laws.
• Develop and maintain strong dealer relationships to ensure volume objectives and credit quality.
• Manage automotive finance contracts to meet profitability criteria for pricing and performance.
• Perform outbound telemarketing and joint dealer calls to maintain productive partnerships.
• Ensure proper documentation is received and all queues are worked to acceptable service levels.

Requirements

• High School Diploma or equivalent.
• 2-3 years of experience in underwriting or sales within the automotive industry.
• Knowledge of consumer finance, banking environments, and indirect retail auto financing.
• Understanding of State and Federal regulatory requirements and credit laws.
• Strong analytical, problem-solving, and negotiation skills.
• Cannot provide visa sponsorship for this position.

Culture & Benefits

• Generous benefits package available from day one, including 401K matching.
• 12 weeks of 100% paid bonding leave for new parents.
• Tuition assistance and continuous training opportunities.
• GM employee auto discount and community service pay.
• Flexible hybrid work environment with 2 days a week in the office.