Risk Analyst Ii - Credit Risk Analytics

Overview: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: JOB DUTIES

• Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan and lease origination activities
• Understand how change to origination credit policy and lending environment can impact loan/lease volume as well as overall credit performance
• Conduct ad hoc research projects incorporating project design, data collection and analysis, summarization of finding, and presentation of results
• Conform with all company policies and procedures
• Employ best practices of data anlysis and validation to ensure data results are accurate
• Assist in the creation, maintenance and monitoring of orgination credit policies, procedures and lending stipulations
• Proactively monitor and report relevant changes in origination trends and portfolio performance to management
• Perform other duties as assigned
• Summarize findings, develop recommendations and present analyses to management in a clear, concise, convincing, and actionable format

Qualifications: Knowledge

• Demonstrated understanding of data warehouses, data mining, reporting, data analysis and data visualization techniques

Skills

• Experience with coding (SAS or SQL preferred) for data mining and manipulation
• Advanced with Microsoft Excel, PowerPoint, and Word
• Acute attention to detail
• Experience with respect to data analysis and spreadsheet modeling and/or reporting
• Querying skills and knowledge in a data warehouse environment
• Capable of managing multiple projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines
• Effective written and verbal presentation skills
• Demonstrated quantitative skills
• Ability to interact collaboratively and proactively with internal customers

Additional Knowledge Skills and Abilities

• Understanding of the metrics utilized in monitoring the performance of a consumer or commercial lending portfolio is a plus

Education

• Bachelor’s Degree Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field; degrees in non-quantitative fields considered with adequate work experience required
• Master’s Degree Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field preferred

Experience

• 2-4 years experience working with complex Excel workbooks, querying large multi-table datasets, data analysis, and data presentation; the qualified candidate will also be able to demonstrate proficiency with the following tools: SAS and/or SQL, Microsoft Excel, PowerPoint, and Word required
• 2-4 years experience in consumer and/or commercial loan and lease origination analysis preferred

Working Conditions

• Subject to stressful situations
• Fast paced office environment
• Strong focus on providing quality service to internal and external customers
• Work a flexible schedule including extended business hours, weekends and holidays
• Limited travel may be required to support business needs

Salary: The base salary range for this role is: USD $67,600.00 to $124,900.00. At GM Financial, we strive for transparency in all aspects of our business, including pay equity. This is the GM Financial pay range for this role and job level. The exact salary and compensation will vary based on factors like knowledge, skills, experience, and education. This role is eligible to participate in a performance-based incentive plan. Full time employees are eligible to participate in health benefits on day one of employment.