Hybrid Consumer Loan Review Analyst II — Risk & Analytics

Ally; Detroit (MI); Hybrid; USD 55,000 - 95,000; Full time

Job summary

Ally Financial in Detroit is seeking an Analyst II for the Consumer Loan Review team on a hybrid schedule. You will evaluate the quality of consumer lending decisions, challenge risk practices, and contribute to independent assessments for senior management.

The role develops analytics skills using SQL, Power BI, Python, and Excel, collaborates with cross-functional teams, and supports risk governance through thorough testing and issue validation.

Qualifications

• 1+ years of experience in credit underwriting, risk management, or auditing credit processes.
• Understanding of risk management concepts and KPIs in consumer lending.
• Ability to travel up to two trips per year.
• Willingness to learn data analytics tools such as SQL, Power BI, Python, and Excel.

Responsibilities

• Learn Ally's Consumer Loan Review approach, methodology and tools/technology.
• Assist in the development of review scopes and testing attributes for consumer loan review projects.
• Execute and document assigned test procedures related to credit strategy, underwriting, portfolio performance.
• Complete assigned testing procedures while meeting timelines for each review.
• Document workpapers in accordance with Loan Review policy and standards.
• Identify and draft issues resulting from testing including root cause and risk impacts.
• Assist with the validation of issues identified during reviews to ensure remediation.
• Maintain regular communication with Loan Review management and participate in meetings with business partners.
• Develop and maintain proactive working relationships across Ally.
• Participate in Loan Review's continuous monitoring program.
• Develop practical analytics capabilities using SQL, Power BI, and Python to identify credit risk trends.

Skills

Communication skills

Project management

Data analytics

Team collaboration

Education

Bachelor's degree

Tools

SQL

Power BI

Python

Excel

Job description

Ally Financial in Detroit is seeking an Analyst II for the Consumer Loan Review team on a hybrid schedule. You will evaluate the quality of consumer lending decisions, challenge risk practices, and contribute to independent assessments for senior management.

The role develops analytics skills using SQL, Power BI, Python, and Excel, collaborates with cross-functional teams, and supports risk governance through thorough testing and issue validation.