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Added 17 mins ago
SC
Analyste d'Affaires Finance (Intermédiaire)
SII Canada
Montreal, QC
- Full-time
Experience as a Business Analyst within a financial institution.
Added 32 mins ago
SL
Student, Private Fixed Income Operations Specialist, SLC Management (Winter 2027)
Sun Life
Waterloo, ON · Sun Life Waterloo King
- Full-time
…days in-office each week with flexibility depending on their business, client and team…
Added 2 hours ago
GF
Commercial Credit Analyst Bilingual
GM Financial
Toronto, ON
- Full-time
…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…
Added 2 hours ago
GF
Credit Analyst
GM Financial
Burnaby, BC
- Full-time
As a Credit Analyst - CDN Dealer Services, you will support sound consumer and commercial credit decisions by analyzing applications, assessing risk, and preparing recommendations within…
Added 2 hours ago
GF
Commercial Credit Analyst
GM Financial
Toronto, ON
- Full-time
…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…
Added 2 hours ago
GF
Credit Analyst Bilingual
GM Financial
Toronto, ON
- Full-time
As Credit Analyst Bilingual - CDN Dealer Services, you will s upport sound consumer and commercial credit decisions by analyzing applications, assessing risk, and preparing credit…
Added 3 hours ago
GF
Credit Analyst
GM Financial
Toronto, ON
- Full-time
As Credit Analyst - CDN Dealer Services, you will support sound consumer and commercial credit decisions by analyzing applications, assessing risk, and preparing recommendations within…
Added 3 hours ago
GS
Analyste d'Affaires Finance (Intermédiaire)
Groupe SII
Montreal, QC
- Full-time
Experience as a Business Analyst within a financial institution.
Added 3 hours ago
GF
Commercial Credit Manager
GM Financial
Toronto, ON
- Full-time
…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…
Added 3 hours ago
GF
Sr Commercial Credit Analyst Bilingual
GM Financial
Toronto, ON
- Full-time
As Sr Commercial Credit Analyst Bilingual - CDN, you will support complex consumer and commercial credit decisions by analyzing applications, financial statements, collateral, and overall…
Added 3 hours ago
GF
Sr Credit Analyst
GM Financial
Toronto, ON
- Full-time
As Sr Credit Analyst - CDN Dealer Services, you will support sound consumer and commercial lending decisions by analyzing credit applications, assessing risk, and determining appropriate…
Added 3 hours ago
GF
Credit Manager
GM Financial
Burnaby, BC
- Full-time
…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…
Added 4 hours ago
GF
Credit Manager
GM Financial
Toronto, ON
- Full-time
…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…
Added 4 hours ago
FR
Corporate, Infrastructure & Project Finance Group, Energy (Midstream), Associate Director- Toronto
Fitch Ratings
Toronto, ON
- Full-time
Fitch Ratings is seeking a senior credit analyst with 5+ years of solid corporate finance experience in the Midstream and broader Energy sector. The primary responsibilities of the…
Added 5 hours ago
SC
Analyste d'Affaires Finance (Senior)
SII Canada
Montreal, QC
- Full-time
Experience as a Business Analyst within a financial institution.
Added 5 hours ago
FN
Assistant Vice President, Sales - Commercial Financing
First National Financial LP
Vancouver, BC
- Full-time
Must have minimum of 5 years of experience working on CMHC underwriting, CMHC applications/submissions, and CMHC funding/post-approval requests
Added 6 hours ago
D
Analyst, Infrastructure and Energy Transition, Corporate Banking, Desjardins Capital Markets
Desjardins
Toronto, ON
- Full-time
As an Analyst, Infrastructure and Energy Transition in the Corporate Banking team, you will contribute to the execution of financing mandates and project-related activities that have major…
Added 6 hours ago
CT
Junior Treasury Analyst - (6 Month Contract)
Canadian Tire Corporation
Toronto, ON
- Full-time
The Junior Treasury Analyst is a temporary contract role that provides hands-on experience across funding, liquidity, cash management, credit analysis, financial risk management, and…
Added 7 hours ago
T
Commercial Credit Analyst
TD
Calgary, AB
- Full-time
TD Auto Finance (TDAF), a dynamic division within TD Business Banking, offers an exciting opportunity to join a rapidly growing business that is transforming the automotive banking…
Added 7 hours ago
GF
Credit Manager
GM Financial Canada
Toronto, ON
- Full-time
…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…
Added 7 hours ago
GF
Commercial Credit Analyst Bilingual
GM Financial Canada
Toronto, ON
- Full-time
…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…
Added 7 hours ago
GF
Commercial Credit Analyst
GM Financial Canada
Toronto, ON
- Full-time
…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…
Added 7 hours ago
GF
Sr Commercial Credit Analyst Bilingual
GM Financial Canada
Toronto, ON
- Full-time
As Sr Commercial Credit Analyst Bilingual - CDN, you will support complex consumer and commercial credit decisions by analyzing applications, financial statements, collateral, and overall…
Added 7 hours ago
GF
Credit Analyst
GM Financial Canada
Toronto, ON
- Full-time
As Credit Analyst - CDN Dealer Services, you will support sound consumer and commercial credit decisions by analyzing applications, assessing risk, and preparing recommendations within…
Added 7 hours ago
GF
Credit Manager
GM Financial Canada
Burnaby, BC
- Full-time
…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…

GM Financial

Sr Credit Analyst

Burnaby, BC, Canada

Full-time

Apply on LinkedIn About employer

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Job details

Job type: Full-time
Apply by: Nov 19, 2026
Experience: Minimum of 2 years automotive direct lending experience is required
Posting language: English
Posted: Oct 20, 2026

Original job description

Job Description

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.

Please note we have two openings for this role.

This position will be posted until filled.

Responsibilities

About the Role

The Sr. 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. An employee in this position will be required to interact with clients and third parties who may only understand and communicate in English. This position also requires that the candidate be able to interact fluidly with colleagues in our offices across Canada and the United States, where English is the predominant language. As we evaluate that a significant percentage of the work required by this position is to be performed in English, the language requirements for this position are a high level of reading comprehension and writing as well as a beginner level of oral communication.

In this role you will:

Analyze information received from credit applications and credit reporting agencies to make prudent credit decisions
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
Assessing credit worthiness of prospective customers and approving / recommending credit terms and limits appropriate to the customer’s requirements on Consumer & Commercial accounts
Establish dealer relationships by building rapport through telephone contact.
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.
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.
Promote and provide a high standard of service to dealers and other areas within the company/adhering to service standard guidelines.
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

What makes You an ideal candidate?

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 preferred.
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 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

Working Conditions

Office environment
Varying shift work between 8am-8pm including some Saturdays 9-5
Normal environment

Work Experience & Education

Minimum education of a College or University business diploma or equivalent experience.
Minimum of 2 years automotive direct lending experience is required

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.

This posting is for a vacancy.

The base range for this role is: $61,000 - $109,500

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

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More about this job

Responsibilities

Analyze consumer and commercial credit applications, assess creditworthiness and financial risk, and approve, deny, or recommend appropriate credit terms within established guidelines. Build relationships with automotive dealers, provide customer service, negotiate loan terms, and contribute to process improvements while following credit policies.

Requirements

Requires a college or university business diploma or equivalent experience and at least two years of automotive direct lending experience. Candidates should have knowledge of lending principles, credit reports, financial statement and ratio analysis, strong communication and negotiation skills, and the ability to work independently and collaboratively in a fast-paced environment.

Skills

Credit Risk Analysis
Credit Underwriting
Financial Statement Analysis
Ratio Analysis
Credit Bureau Report Analysis
Loan Decision-Making
Risk Mitigation
Automotive Lending
Negotiation
Customer Service
Analytical and Problem-Solving Skills
Communication
Report Writing
Microsoft Copilot
Responsible AI Use

Benefits

Health Benefits
Vision Benefits
Dental Benefits
RRSP Contribution Matching
Paid Time Off
Paid Holidays
Hybrid Work Schedule
Performance-Based Incentive Plan

Visa sponsorship

Not detected in the job text

Keywords

Consumer Credit
Commercial Credit
Automotive Lending
Automotive Leasing
Credit Applications
Credit Reporting Agencies
Credit Bureau Reports
Credit Risk
Credit Underwriting
Financial Statements
Ratio Analysis
Lending Principles
Loan Terms
Credit Limits
Risk Mitigation
Dealer Relationships
Credit Policies
Operational Risk Management
Customer Service
Negotiation
Microsoft Copilot
Artificial Intelligence
AI-Assisted Research
Data Protection
Bias Evaluation
Process Improvement

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Jobs in Canada