Why GM Financial?
GM Financial is the wholly owned captive finance subsidiary of General Motors. We are a global provider of auto finance solutions. 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 Description
At GM Financial, we are looking for people who want to embark on an exciting career journey. 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: The Sr Commercial 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.





Analyze consumer and 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, GMF exposure, collateral usage, debt service, as applicable to the size and complexity of the commercial transaction

Make appropriate recommendations for Lines of Credit and advocate the benefits of same for dealers and commercial clients

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

Perform due diligence in support of all credit applications

Negotiate terms and conditions of loan decisions with dealers within established approval/exception guidelines

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

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

Ability to communicate (written and oral) in English and 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 setting

Varying shift work between 8am and 8pm, including some Saturdays 9am - 5pm

Experience

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

Hybrid work schedule offered; ability to work a portion of your week from home.

Excellent Health, Vision and Dental Benefits

Company Match program for RRSP contributions

Generous Paid Time Off (personal, vacation, sick, paid holidays)

Casual Dress Code - Dynamic relationships between teams and leadership

Quarterly Volunteer Opportunities

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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📌 Sr Commercial Credit Analyst Bilingual (Ontario)
🏢 GM Financial
📍 Ontario