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.
Job DescriptionWhy 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 PurposeWe pioneer the innovations that move and connect people to what matters.
This position will be posted until filled.
ResponsibilitiesAs Credit Analyst Bilingual - CDN Dealer Services, you will support sound consumer and commercial credit decisions by analyzing applications, assessing risk, and preparing credit recommendations within established policies and guidelines. This bilingual role combines underwriting with dealer communication, negotiation, and customer service to support financing decisions, ensure compliance, maintain positive dealer relationships, and contribute to efficient credit processes.
Underwriting (30%):
Analyze information received from credit applications and 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.
Ensure compliance with Anti-Money Laundering policies and procedures
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
Qualifications
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.
Written and oral English is a must, bilingual French is required.
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.
Additional Knowledge And SkillsWorking effectively within an AI enabled environment:
Ability to use AI tools (e.G., Microsoft Copilot) to support daily work
Skills in evaluating AI outputs for accuracy, compliance, and bias
Experience integrating AI into workflows to improve efficiency or insights
Familiarity with AI assisted research, summarization, and content generationUnderstanding of responsible AI use, including ethics and data protection
Working Conditions
Listening – Frequent
Taking direction or instructions – Regular
Taking telephone messages – Frequent
Talking to customers/clients – Frequent
Talking to employees – Regular
Watching – Regular
Keyboarding – Regular
Maintaining one position – Regular
Repetitious body motions – Regular
Sitting – Frequent
Standing – Regular
Walking – Regular
Crowded workspaces – Occasional
Deadlines – Frequent
Interruptions – Frequent
Work Schedule – Must be able to work flexible hours. Shifts will vary based on the needs of the business, and will include a variety of day, night, and weekend shifts.
Experience & Education
1 year of lending experience preferred
Minimum education of a College or University business diploma or equivalent experience
What We Offer
Excellent Health, Vision and Dental Benefits.
Company Match program for RRSP contributions
Generous Paid Time Off (personal, vacation, sick, paid holidays)
Dynamic relationships between teams and leadership
Quarterly Volunteer Opportunities
Hybrid work schedule offered;
ability to work a portion of your week from home
Our CultureOur 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.
Work Life BalanceFlexible hybrid work environment, 3-days a week in office (Tuesday/Wednesday/Thursday).
This posting is for a vacancy.
The base range for this role is: $52,000-$93,500
At GM Financial, we strive for transparency in all aspects of our business, including pay equity. This is the GM Financial pay range for this role and job level. The exact salary and compensation will vary based on factors like knowledge, skills, experience, and education.
This role is eligible to participate in a performance-based incentive plan. Full-time employees are eligible to participate in health benefits after 30 days of employment.
#GMFJobs
#J-18808-Ljbffr