Credit Review Analyst II - Auto Finance Fraud

US-TX-Fort Worth
Requisition ID
2017-28976
Employee Type
Full Time-Regular
Category
Risk Management / Insurance

Overview

The Credit Review Analyst II – Auto Finance Fraud is responsible for performing independent and unbiased monitoring and assessments of the company's credit activities with an emphasis on detecting fraud and misrepresentation. This team member will work closely with the Dealer segments by monitoring compliance and proactively addressing loans originated with fraud or misrepresentation.

Responsibilities

JOB DUTIES:

  • Investigate loan originations for fraud or misrepresentation by reviewing the loan documentation and the systems utilized to underwrite, fund, and collect the accounts.
  • Apply auto finance experience, corporate policies, procedures and departmental research to accurately identify loan origination deficiencies. Utilize results to make appropriate, formal recommendations and suggestions for reducing, eliminating or monitoring origination practices.
  • Identify origination weaknesses and recommend change when necessary.
  • Assist in the development and support of models, analysis, and reporting related to the soundness of credit and collection activities.
  • Monitor, analyze and summarize compliance with origination policies.
  • Create reports for management with viable recommendations for improvement of business operations, efficiencies, and internal controls.
  • Ensure project/review completion by understanding project expectations and deadlines, overcoming obstacles and communicating progress, delays and issues to management.
  • Coach, mentor, and assist fellow team members to establish a consistent level of quality, accuracy and compliance to departmental standards internal controls.
  • Assist the Credit Review Manager with the distribution of incoming work.
  • Represent Credit Review in business segment meetings as needed.

 

OTHER IMPORTANT DUTIES:

  • Perform other duties as assigned.

REPORTING RELATIONSHIP:

  • Reports to: Credit Review Manager
  • Direct Reports: None

Qualifications

Knowledge:    

  • Advanced understanding of the auto finance industry, including underwriting and funding non-prime originations from various direct and indirect business channels.
  • Ability to apply knowledge and critical thinking skills in day-to-day problems and solutions.
  • Working knowledge in the fields of statistics, accounting, and/or consumer credit.
  • Familiarity with GM Financial’s internal policies and procedures preferred.

Skills:      

  • Ability to plan, execute and improve work processes to ensure achievement of business objectives.
  • Situational analysis is critical to interpreting underwriting activities compared to corporate policy.
  • Extremely organized with a concentrated emphasis to detail.
  • Excellent interpersonal and verbal and written communication and skills.
  • Ability to use appropriate analysis, judgment, and logic when solving issues, providing recommendations, and making decisions.
  • Sound self-management skills.
  • Able to undertake multiple tasks with minimal supervision.
  • Ability to work and participate on team projects.

Experience:      

  • Bachelor's degree in related business field preferred or equivalent work experience.
  • 3-5 years automobile lending experience is required.
  • Credit review experience in consumer lending environment that is highly dependent on credit scoring preferred.

WORK CONDITION: 

  • Normal office environment. Must be able to cope with the stress of management and meeting project deadlines.

ADDITIONAL DETAILS:

  • Job Grade: E.E10

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