• Credit Analyst - CDN Dealer Services

    Job Locations CA-QC-Montreal
    Requisition ID
    Employee Type
    Full Time-Regular
    Credit / Underwriting
  • Overview

    The Credit Analyst will be responsible for researching, analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers (Consumer & Commercial). The analyst will have daily contact with other departments within the corporation, as well as automotive dealers and other finance sources.



    Job Duties


    Underwriting – 30%

    • Analyze credit applications for automobile loans and leases received from credit reporting agencies to make prudent credit decisions
    • Analyze and evaluate.
    • 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
    • Conduct reference investigations, document requirements and prepare credit recommendations.

    Business Development – 25%

    • Communicate with dealers and internal departments regarding accounts pending credit approval.
    • 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
    • Clarify inquiries regarding policies and procedures to peers and clients.

    Negotiation – 25%

    • 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

    Service – 20%

    • Clarify inquiries regarding policies and procedures to peers and clients.
    • 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


    Reports to: Credit Manager

    Direct Reports: None            





    • Minimum education of a College or University business diploma or equivalent experience.


    • Minimum 2 years of lending experience required


    • Knowledge of basic lending principles
    • Knowledge and understanding of basic credit bureau reports
    • Knowledge and understanding of detailed financial statement and ratio analysis
    • Knowledge of standard office software.
    • Automotive lending and/or leasing experience would be considered a definite asset
    • Excellent report writing and communication skills (written and verbal).
    • Excellent Communication and interpersonal skills.
    • Successful Candidate must be able to work in a fast paced, high pressure environment
    • The successful candidate must be detailed oriented, open to change, be able to work independently, be a team player, and organized.
    • Requires strong analytical and problem-solving skills with the ability to underwrite loans and mitigate risk.
    • Requires the ability to successfully negotiate business transactions with automotive dealers

    Working Conditions

    Physical Demands

    • Sitting – Frequent
    • Maintaining one position – Continuous
    • Repetitious body motions – Continuous

    Sensory Demands

    • Counseling - Continuous
    • Talking to customers/clients
    • Negotiating - Continuous
    • Taking telephone messages - Continuous
    • Listening – Continuous
    • Taking direction/instructions - Continuous
    • Talking to employees – Continuous



    Disagreeable Conditions/Hazards



    GM Financial is an equal-opportunity employer, and is committed to diversity and inclusiveness in its employment practices. Employees must meet qualification standards that are job-related and consistent with business necessity and must be able to perform the essential job duties of the position, with or without reasonable accommodation. If you require a specific  accommodation because of a disability or medical need, please contact  hrconnection@gmfinancial.com or call 1-866-411-4748.



    The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.  They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.  Your function may not be limited to this and changing duties and responsibilities should be expected to meet changing business requirements.


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