Risk Analyst - Credit Risk Analytics

Overview

Do you have experience developing analytically based business solutions? Do you have a background in data mining and analysis? Do you have business acumen that lets you “tell the story” rather than just deliver the data? Are you ready to take a challenging role with a company that embraces a culture of respect, integrity, innovation, and personal development? We may be looking for you!

GM Financial’s North American division, based at our corporate headquarters in Fort Worth, TX, is experiencing tremendous growth, and to support this growth our Risk Management team is ready to hire a key individual with the following attributes:

• Strong analytical skills
• Querying (coding) experience in a complex data warehouse environment
• Experience designing and executing complex Excel-based data analysis
• Data delivery and presentation experience with Excel and PowerPoint
• Acute attention to detail
• Can-do attitude

If this description sounds like you, and you’re ready to join a dynamic, growing company, check out the full job description below and apply now!

About the Risk Management Credit Risk Analysis Team

The Risk Management Credit Risk Analysis team is responsible for developing and maintaining analytically based solutions to manage, monitor and quantify credit risk, set credit policy, and evaluate credit structure, credit execution, and credit performance for GM Financial’s growing auto loan and lease portfolios. The team supports multiple departments including North American Consumer Credit and Sales Operations, Commercial Vehicle Lending, and Pricing and Product Development.

BASIC FUNCTION:

Risk Analyst I is responsible for analyzing credit risk exposure related to loan 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.

JOB DUTIES:

• Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan origination activities
• 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 findings, and presentation of results
• Effectively summarize and communicate origination trends, credit execution, and credit performance to management

REPORTING RELATIONSHIP:

Reports to: AVP – Credit Risk Analysis    

Direct Reports: none

QUALIFICATIONS:

Skills      

• Advanced with Microsoft Excel, PowerPoint, and Word
• Experience with respect to data analysis and 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
• Acute attention to detail
• Effective written and verbal presentation skills
• Ability to interact collaboratively and proactively with internal customers
• Capable of managing multiple projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines

Knowledge      

• Demonstrated understanding and experience with the following:

o   Data warehouses

o   Data mining

o   Reporting

o   Data analysis and visualization techniques

• Understanding of the metrics utilized in monitoring the loan origination process in a consumer lending portfolio is a plus

Experience      

• Bachelor's degree required and Master’s degree (preferred) in Finance, Economics, Mathematics, Business, MIS, or other quantitative field
• Working experience or Knowledge with complex Excel workbooks, querying large multi-table datasets, and data presentation required
• Experience in consumer loan originations and analysis preferred
• The qualified candidate will also be able to demonstrate proficiency with the following tools:

o   SAS and/or SQL (Preferred)

o   Microsoft Excel, PowerPoint, and Word

WORK CONDITION:

Normal office environment

GM Financial is the captive finance arm of General Motors, providing leasing and lending solutions to GM customers across the globe. As a Credit Risk Analyst II (Originations) you will be a key team member for one of the most well-known automotive organizations in the world, with a global reputation for excellence. Not only will you enjoy the stability of working for an established industry-leading company, but our continued dynamic growth will also provide you with exceptional career development opportunities and genuine potential for advancement. In addition to a competitive salary we offer a comprehensive, affordable, and flexible benefits package, offering you peace of mind and the opportunity to invest in your future. Read more about our company at www.gmfinancial.com

 Here is some of what we have to offer:

• Medical, Dental, and Vision coverage
• Health Savings Account and/or Flex Spending Account
• Life and Disability Insurance
• 401(K) with company match*
• Annual performance incentives*
• GM vehicle discounts for you and your family
• Generous paid time off (holidays, vacation, sick, personal, and floating holidays)
• Paid time off for volunteer work through GM Financial's Community Investment Program
• Learning and professional development programs

* future payouts are not guaranteed and are based on annual Board approval