What are the responsibilities and job description for the ACF Credit Manager - Zone C position at GM Financial?
Why AmeriCredit?
We’ve spent the past 30 years creating a culture that’s second to none in the auto finance industry. Other employers only talk about their culture – we actually live it every day. It’s the primary reason that approximately 50% of our team members have been here for more than 5 years. Sure, we could mention that AmeriCredit is a division of GM Financial, the wholly owned captive finance subsidiary of General Motors, a Fortune 50 company. That might be what attracts talent to our team but it’s our culture that keeps them coming back.
Our culture is what has driven AmeriCredit success and what’s allowed us to build strong, lasting relationships with our dealers and consumer customers that we serve. But mostly, our culture is what allows us to prioritize employee development, to create a diverse, equitable and inclusive environment and to enrich their professional experience where they can discover, thrive and belong.
If you are looking for an environment that welcomes new ideas, fosters integrity and creates a sense of community and belonging, AmeriCredit just might be your dream employer.
Responsibilities
About the Role
The Credit Manager assists the Regional Credit Manager (RCM), manages all credit functions and supports indirect business activity within the Branch. This position is responsible for training Branch personnel on credit policy issues and underwriting negotiations. This team member has contact with other company departments, as well as automobile dealers and other finance and credit sources.
In this role you will:
- Quickly adapt and lead credit analysts through organizational change
- Provide guidance to Credit Analysts and creating an environment for success
- Continually exhibit established AmeriCredit/GM Financial leadership competencies
- Review credit exceptions and determine their approval or denial within credit authority established
- Assist with the hiring, training, and development of Credit Team, as needed
- Recommend decisions to RCM on approvals outside of credit authority
- Oversee development, maintenance of dealer relationships that ensure volume objectives and credit quality
- Provide timely feedback, training, and coaching to Credit Analysts
- Ensure compliance with applicable policies and procedures
- Ensure Branch office cooperation with other departments, to maximize efficiency within the company
Qualifications
What Makes You A Dream Candidate?
- Extensive knowledge of sales, credit and funding processes in consumer finance
- Extensive knowledge of the retail automobile finance industry
- Knowledge of the Company’s credit policies
- Working knowledge of consumer credit, credit laws and regulations
- Ability to positively motivate, develop, coach and lead others
- Ability to work under pressure and make decisions in a fast-paced environment
- Credit underwriting skills
- Customer relations skills
- Display commitment to continuous improvement of business
- Excellent negotiation skills
- Presentation and communication skills
- Sales skills necessary to develop and maintain productive dealer relationships
- Strong analytical and problem solving skills
Experience
- High School Diploma or equivalent required
- Bachelor’s Degree preferred
- 2-4 years of supervisory experience preferred
- 3-5 years underwriting experience in the indirect retail auto finance industry and prefer experience with GM Financial 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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Salary
The range for this role is: USD $42.31 to $78.32 per hour. 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 on day one of employment.
Salary : $42 - $78
