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.

About the Role

As Credit Manager, you will lead credit decisioning and team development by evaluating complex dealer credit requests and making sound lending decisions within established authority and policies. This role manages escalations, provides coaching and guidance to Credit Analysts, supports staffing and departmental operations, and collaborates with dealers and senior leadership to optimize credit performance, strengthen processes, and support competitive financing solutions.

Responsibilities:

• Credit Analysis (50%)
  • Analyze, evaluate and decision credit requests within authorized lending limits that are submitted by dealers while operating under the policies and procedures set out by the Company.
  • Analyze, evaluate and decision credit requests within authorized lending limits that are referred by team members when they require over-rides for applications in excess of their lending limits or for policy and operating procedure exceptions. These duties will be performed while operating under the policies and procedures set out by the Company.
  • 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 defined.
  • Analyze and evaluate credit requests exceeding authorized lending limits and present the credit requests and recommendations to senior management for approval/decline.
  • Respond to incoming complaints or credit decision escalation appeals (dealer/customers), ensuring they are handled in an efficient and satisfactory manner provided they fall within authorized lending parameters and referring others to Department Management.
• Coaching and Training (30%)
  • 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.
• Department Management (10%)
  • Complete the departmental operating duty schedule on an alternating basis to ensure adequate language and limit coverage is in place at all times.
  • 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 member analysts 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.
• Miscellaneous (10%)
  • Prepare credit analysis 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 search and hiring 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 leasing industry as a whole.
  • Keep abreast of leasing products and special programs in the company; make recommendations of how the company can be more competitive.

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 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 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

Experience & Education

• Secondary School
• Bachelors degree in related field preferred
• Minimum three years of previous credit analysis experience

Working Conditions

• Counseling – Frequently
• Negotiating - frequently
• Taking directions or instructions - occasionally.
  Talking to employees - frequently
• Listening - frequently.
• Talking to customers/clients -frequently.
• Sitting - Continuous.
• Repetitious body motions – computer mouse/keyboard.
• Maintaining one position (e.g. sitting at a computer)
• Standing meetings occasionally.

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: $63,400-$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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