Commercial Credit Manager

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.

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 Purpose:  We pioneer the innovations that move and connect people to what matters.

This position will be posted until filled.

Responsibilities

About the Role

As Commercial Credit Manager - CDN, you will lead commercial credit decisioning by evaluating complex applications, financial statements, collateral, and credit risk to make sound lending decisions within established authority and policies. This role provides guidance and coaching to Credit Analysts, manages escalations and dealer relationships, supports departmental operations and staffing, and partners with Sales and senior leadership to maintain credit quality, ensure compliance, and continuously improve commercial credit processes.

Responsibilities:

• Credit Analysis (40%): 
  • Analyze, evaluate and decision credit requests within authorized lending limits; provide review and support for concurrence requests submitted by Credit Analysts, and evaluate credit requests exceeding authorized lending limits and prepare recommendations to senior management.
  • Analyze commercial credit applications to determine the degree of risk involved in extending credit and make prudent business decisions to approve or deny the extension of credit within established credit authority.
  • Analyze financial statements, collateral, debt service, as applicable to the size and complexity of the commercial transaction.
  • Ensure accuracy and sound recommendations with CreditQuest routings.
  • Make appropriate recommendations for Commercial Lines of Credit.
  • Relay all items and conditions of approved or declined leases to the dealers’ using portals or telephone if appropriate, ensuring terms and conditions are clearly communicated
  • Respond to incoming complaints or credit decision escalation appeals (dealer/customers), ensuring they are handled in a thorough, professional, and satisfactory manner
  • Engage Sales partners as needed.
  • Ensure compliance with Anti-Money Laundering policies and procedures
• Coaching and Training (25%) 
  • Primary referral point for subordinates requiring guidance and assistance in discussing and making a decision on complex deals
  • Provide system orientation training for newly hired analysts and act as an ongoing mentor/resource for team members
  • Monitor and record progress on new analysts and trainers as required
  • Provide daily coaching to the credit analyst team through review of concurrence requests and other observations, such as fraudulent applications, etc.
• Department Management (25%) 
  • Ensure adequate department staffing levels at all times, including appropriate language and authority limit coverage
  • Maintain the absentee and vacation records for team members
  • Coordinate team vacation and external training schedule to ensure adequate staffing during peak periods
  • Complete and deliver the required Employee Performance Appraisal reports on team members after referral to department management, make recommendations regarding progress and ability to handle additional responsibilities, initiate performance corrective action etc. of subordinates after consultation with department management
  • Utilize the ‘Celebrating You’ platform for recognition of team members
• Miscellaneous (10%) 
  • Prepare credit analysis reviews on specific dealers, markets or regions as required to ensure results are being optimized
  • Participate in special projects related to existing system enhancements or new system development
  • Periodically, as required attend dealer meetings in dealership or other locations to provide credit perspectives and /or receive dealer feedback on product and programs relative to credit area
  • Assist with recruitment of new team members
  • Recommend and/or assist in the development of any new/revised policies/procedures and be alert of any new changes in the company or in the auto finance industry as a whole

Qualifications

What makes you an ideal candidate?

• Previous people management experience
• Advanced knowledge of credit underwriting and vehicle leasing.
• Significant Financial Statement Analysis Experience
• Excellent customer service / relationship management skills
• Understanding of dealer operations
• Knowledge of reporting and analytics
• Knowledge of company policies and procedures
• Knowledge of dealership, fleet/commercial and indirect auto finance industry operations
• Knowledge of Microsoft Office

Additional Knowledge and Skills

Working 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 generation
• Understanding of responsible AI use, including ethics and data protection 

Experience & Education

• Minimum three years of previous credit analysis experience required
• Knowledge of Automotive Leasing/Captive Lending required
• Financial statement analysis experience required
• 2-3 years management experience preferred
• Secondary School – required
• Bachelors degree in related field-  preferred

Working Conditions 

• Counseling – Frequent
• Interpreting – Regular
• Listening – Frequent
• Negotiation – Regular
• Observing clients – Occasional
• Reading – Frequent
• Taking directions or instructions – Occasional
• Taking telephone messages – Occasional
• Talking to customers/clients – Frequent
• Talking to employees – Frequent
• Watching – Regular
• Keyboarding – Regular
• Maintaining one position – Occasional
• Sitting – Occasional
• Standing – Occasional
• Walking – Occasional
• Crowded workspaces – Occasional
• Deadlines – Frequent
• Excessive noise – Occasional
• Interruptions – Frequent
• Tolerating angry people/verbal abuse – Occasional
• 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.

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 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.

Work Life Balance: Flexible 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: $63,500-$113,500

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.

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