Commercial Credit Analyst

Company Description GM Financial, the captive finance company and wholly owned subsidiary of General Motors, is a global provider of auto finance solutions headquartered in Fort Worth, Texas, with operations across North America, Latin America, and China. The company partners closely with auto dealers to offer retail loan and lease programs tailored to customer needs, as well as commercial lending products that help dealers finance and grow their businesses. GM Financial employs more than 9,000 team members and promotes a culture of respect, integrity, innovation, and ongoing personal development. The organization values diverse talents and provides an environment where people work collaboratively and celebrate shared success. GM Financial is also committed to strengthening local communities through signature philanthropic events, sponsorships, and donations.

Role Description This full-time Commercial Credit Analyst role is based in Toronto, ON and follows a hybrid work model, combining on-site collaboration with the flexibility to work from home for part of the week. The Commercial Credit Analyst evaluates dealer credit requests by reviewing financial statements, assessing risk, and performing detailed financial and cash flow analysis. Responsibilities include preparing credit recommendations, supporting underwriting decisions, monitoring existing dealer portfolios, and ensuring compliance with internal policies and regulatory requirements. The role involves regular communication with internal stakeholders and auto dealer partners to clarify financial information, discuss credit terms, and address inquiries. The analyst also contributes to process improvement initiatives, supports reporting and analytics, and helps maintain accurate documentation for all credit files.

Qualifications

• Candidates should possess strong Financial Statement Analysis skills and be proficient in working with Financial Statements, including balance sheets, income statements, and cash flow statements.
• Candidates should possess robust Analytical Skills to assess credit risk, interpret data, and make sound, data-driven recommendations.
• Candidates should possess Underwriting experience or exposure, with the ability to structure credit facilities within established risk frameworks.
• Candidates should possess clear and professional Communication skills, both written and verbal, to collaborate with internal teams and dealer partners.
• Bachelor’s degree in finance, accounting, business, economics, or a related field is preferred; relevant professional designations (e.g., CPA, CFA, CBV) are an asset.
• Proficiency in Excel and related financial modeling tools, along with familiarity with credit risk or lending systems, is beneficial.
• Strong attention to detail, organizational skills, and the ability to manage multiple priorities in a fast-paced environment.
• Knowledge of auto finance, commercial lending, or dealership operations is an advantage.