Senior Credit Analyst - Senior Credit Analyst GM Financial Employee Review

GM acquired AmeriCredit a few years ago with all the upper management and employees with seniority having a subprime mindset and a resistance to change despite GM Financial becoming a full spectrum lender and GM's captive financing arm. Open exchange of ideas and communication is discouraged and non existent. There is a hierarchy set up that is incredibly inefficient and ineffective as well as insulting to talented individuals who are taught.. more like forced, to stay under the radar. Women have a much tougher time getting ahead and are more often than not excluded from events outside of work whether it be employee get togethers or relationship building with customers. Career development is non existent, additionally career advancement is seemingly hopeless in a place where discrimination and unfair treatment exists. Dishonesty and poor performance are tolerated as long as you are part of a clique or a non threat. Contributions are not valued unless it fits into a very specific metric of making a ridiculous amount of phone calls despite the actual ability to build strong relationships that’s needed for true lasting success. Ego’s run higher than normal and there’s a blatant refusal to allow change or to acknowledge success and expertise among experienced professionals. Constant refusal to accept full spectrum portfolio lending mindset or to trust experienced employees who are utilizing technology for program education, messaging, emails, demonstrating value, always being available, establishing trust and spending more time putting deals together to help the customer and strengthening their territory. Constant illogical critiquing despite strong performance if aged AmeriCredit performance metrics are not being used. An overall feeling of belittlement and fear of being chastised for not going through the chain of command in order to gain knowledge or simply just communicating with the hiring manager without first discussing it with 2 other managers. In summary there's a stagnant mindset with portfolio lending made extremely difficult and talented individuals who have proven track records of success in full spectrum lending and risk are treated like minimum wage employees that punch in and out like Fred Flintstone while being torn down with petty behavior and blatant favoritism. Some employees receive pertinent information others don’t. The hiring manager sends emails with content needed for the position to the line managers only instead of just forwarding it directly to the 20 people that need to be aware of the information. Actions are in place to reiterate ones “place,” and the word hierarchy and phrase chain of command is used on a daily basis. Establishing credibility with customers is made unnecessarily difficult.