Risk Analyst II - Credit Risk Analytics

GM Financial; Fort Worth (TX); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

401K matching

Tuition assistance

GM employee auto discount

Training and development

Bonding leave for new parents

Job summary

GM Financial in Fort Worth is seeking a Risk Analyst II - Credit Risk Analytics to analyze credit risk exposure for consumer and commercial loan origination, develop and monitor credit policy, and measure credit execution and performance.

The role requires data mining, advanced Excel, SAS/SQL, and the ability to present findings to management; you will monitor trends by region and collaborate across teams in a flexible hybrid work environment.

Qualifications

• Demonstrated understanding of data warehouses, data mining, reporting, data analysis and data visualization techniques.
• Advanced skills with Microsoft Excel, PowerPoint, and Word.
• Experience with data analysis, spreadsheet modeling and/or reporting.
• Experience with coding (SAS or SQL preferred) for data mining and manipulation.
• Querying skills and knowledge in a data warehouse environment.
• Demonstrated quantitative skills.
• Ability to interact collaboratively and proactively with internal customers.
• Capable of managing multiple projects, coordinating and balancing numerous tasks in a time-sensitive environment under pressure and meeting deadlines.
• Understanding of the metrics utilized in monitoring the performance of a consumer or commercial lending portfolio is a plus

Responsibilities

• 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 changes 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 findings, and presentation of results

Skills

Data analysis

Data visualization

Excel

PowerPoint

Word

SAS

SQL

Collaboration

Education

Bachelor's degree in Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field

Master's Degree in Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field preferred

Tools

SAS

SQL

Job description

About the Company

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.

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

• 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 changes 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 findings, and presentation of results

Qualifications

• Demonstrated understanding of data warehouses, data mining, reporting, data analysis and data visualization techniques
• Advanced skills with Microsoft Excel, PowerPoint, and Word
• Experience with data analysis, spreadsheet modeling and/or reporting
• Experience with coding (SAS or SQL preferred) for data mining and manipulation
• Querying skills and knowledge in a data warehouse environment
• Demonstrated quantitative skills
• Ability to interact collaboratively and proactively with internal customers
• Capable of managing multiple projects, coordinating and balancing numerous tasks in a time‑sensitive environment under pressure and meeting deadlines
• Understanding of the metrics utilized in monitoring the performance of a consumer or commercial lending portfolio is a plus

Experience

• 2‑4 years’ experience working with complex Excel workbooks, querying large multi‑table datasets, data analysis, and data presentation; proficiency with SAS and/or SQL, Microsoft Excel, PowerPoint, and Word
• 2‑4 years’ experience in consumer and/or commercial loan and lease origination analysis
• Bachelor’s Degree in Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field; degrees in non‑quantitative fields considered with adequate work experience
• Master’s Degree in Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field preferred

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.

Compensation

Competitive pay and bonus eligibility.

Work Life Balance

Flexible hybrid work environment, 2 days a week in the office.