JOB DESCRIPTION
Why GM Financial?
GM Financial promotes an inclusive Culture to Win that is centered around leading with core values, empowering team members, and accomplishing strategic priorities while supporting our community and earning customers for life. We invite YOU to join an innovative team of trend-setters in the automotive finance industry.
Commercial Lending Services
Business Development, Credit, Funding, Quality Control, Inventory Control, Commercial Account Management, Special Assets, and Servicing
GM Financial is the wholly owned captive finance subsidiary of General Motors offering a suite of financing solutions to U.S. and Canadian dealers that supports business initiatives across all economic cycles. Each team within our department works together to facilitate floorplan requests and deliver world class service, making GM Financial the largest floorplan provider for GM dealerships. Our dealers count on us daily, therefore we take our mission seriously. We believe it all comes down to adding value, cultivating relationships, and earning trust. That's why GM Financial needs passionate, innovative, and spirited team members just like YOU.
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About the role:
Under the direction of Global Commercial Risk Quality Control - NA, the Senior Analyst completes loan reviews on commercial loan portfolios.
This position will be located in Irving, Texas and following a hybrid work model. Hybrid (Combination of work from home and in-assigned office location)
RESPONSIBILITIES
What makes you a dream candidate?
- Participate in regular commercial loan reviews to ensure the portfolio's asset quality, the completeness and accuracy of loan documentation, and the adherence to compliance requirements
- Assess the creditworthiness of the commercial loan portfolio, looking for changes that merit a review of lending practices and/or asset classification
- Analyze commercial loan underwriting, credit decisions, booking, and monitoring activities to identify risks and the controls in place to mitigate these risks
- Review commercial loan policy and procedure for adequacy, including ensuring that practice upholds policy
- Commercial automotive lending risk management background or equivalent preferred
- Working knowledge of commercial automotive underwriting and risk rating evaluations
- Monitoring and analyzing commercial portfolios and industry trends to identify potential risks and opportunities
- Developing and implementing new products, business strategies, credit policies and special campaigns for a commercial portfolio
- Financial accounting and the relationship between balance sheets, income statements, and cash flow statements
- Capable of managing multiple and varied assignments in a time-sensitive environment
QUALIFICATIONS
Experience
- Bachelor's Degree in related discipline preferred
- 3-5 years of experience in commercial automotive lending required
- 2-3 years of experience in organizing data and spreadsheet development preferred
What We Offer: Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays.
Our Culture: Our team members define and shape our culture - an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work - we thrive.
Compensation: Competitive pay and bonus eligibility
Work Life Balance: Flexible hybrid work environment, 2-days a week in office
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