Credit Review Analyst I - Auto Finance Fraud

US-TX-Fort Worth
Requisition ID
2017-30515
Employee Type
Full Time-Regular
Category
Risk Management / Insurance

Overview

The Credit Review Analyst I – 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.
  • Perform quality monitoring across the organizations by analyzing, summarizing, and monitoring compliance of credit policies and procedures.
  • Identify underwriting and funding weaknesses, address areas of non-compliance, and recommend change when necessary.
  • Assist in the development and support of models, analysis, and reporting related to the soundness of credit activities.
  • Analyze, summarize, and monitor compliance with credit policies.
  • Create reports for management with viable recommendations for improvement of business operations, efficiencies, and internal controls.
  • Coach, mentor, and assist fellow team members to establish a consistent level of quality, accuracy and compliance to departmental standards and internal controls.
  • Consult with management when needed and make recommendations on policy exceptions and control weaknesses to ensure that findings are correct.
  • Assist the Credit Review Manager with the distribution of incoming work.

OTHER IMPORTANT DUTIES:

  •  Perform other duties as assigned.

REPORTING RELATIONSHIP:

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

Qualifications

Knowledge:    

  • Detailed understanding of the auto finance industry, including funding and/or underwriting of originations.
  • Ability to understand GM Financial's business, apply knowledge and critical thinking skills in day-to-day problems and solutions.
  • Working knowledge in the fields of finance, statistics, accounting, and/or consumer credit.

Skills:      

  • Ability to use appropriate judgment, analysis, and logic when solving issues, providing recommendations, and making decisions.
  • Ability to plan, execute and improve work processes to ensure achievement of business objectives with little direct supervision.
  • Situational analysis is critical to interpreting underwriting activities compared to corporate policy.
  • Extremely organized with a concentrated emphasis to detail.
  • Excellent interpersonal, verbal and written communication and skills.
  • Strong problem solving skills.
  • Sound self-management skills.
  • Able to undertake multiple tasks with minimal supervision and be self-motivated.
  • Ability to proactively achieve goals and objectives, which positively impact GM Financial's overall business results.
  • Ability to coach, lead, motivate, and influence others to support departmental goals and objectives.
  • Ability to work discreetly with confidential information and situations.
  • System skills required include, but are not limited to, application processing systems such as Credit Revue, Provenir, CART, AS/400, AmeriView, and CACS.

Experience:      

  •  Bachelor's degree in related business field, or equivalent work experience preferred.
  • 1-3 years automobile lending experience is preferred.
  • 1-3 years prior credit review experience in a consumer lending environment that is highly dependent on credit scoring preferred.

WORK CONDITION: 

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

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