Risk Analyst II - Credit Risk Analytics

Job Description

Why Credit Risk Analytics?

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

About the role :

Risk Analyst II - Credit Risk Analytics is responsible for analyzing credit risk exposure related to consumer and commercial loan and lease acquisition activities. The position involves conducting analysis to mitigate credit risk, create and monitor credit policy, measure credit execution and credit structure. In addition, this position will be responsible for monitoring credit performance by region, credit center, and dealership.

Responsibilities

In this role, you will :

• Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan and lease origination activities
• Summarize findings, develop recommendations and present analyses to management in a clear, concise, convincing, and actionable format
• Employ best practices of data analysis and validation to ensure data results are accurate
• Assist in the creation, maintenance and monitoring of origination credit policies, procedures and lending stipulations
• Understand how change to origination credit policy and lending environment can impact loan / lease volume as well as overall credit performance
• Proactively monitor and report relevant changes in origination trends and portfolio performance to management
• Conduct ad hoc research projects incorporating project design, data collection and analysis, summarization of finding, and presentation of results

Qualifications

What makes you a dream candidate?

Experience :

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 the office.