What are the responsibilities and job description for the Credit Risk Analyst - GM Financial Bank position at GM Financial?
Job Description
Why GM Financial Bank?
GM Financial Bank is a newly formed bank. Team members joining now will play a pivotal role in shaping the bank, which will offer auto finance and deposit products. Joining GM Financial Bank means an opportunity to help build a customer-focused bank from the ground up.
This position will be posted until filled.
Responsibilities
About the role:
The Credit Risk Analyst supports the AVP – Credit Risk in managing, monitoring and reporting on credit risk strategies. The position provides analytical insight into credit performance, policy execution and portfolio trends while developing a foundational understanding of consumer credit, underwriting practices and bank regulatory expectations. The position will work with a variety of internal clients as well as interacting with Management. This role offers a strong development opportunity for an analytically driven early-career professional through structured coaching and exposure to leadership and credit governance.
In This Role You Will
What makes you an ideal candidate?
Working effectively within an AI enabled environment:
Our Culture: Our team members define and shape our culture — an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.
Compensation: Competitive pay and bonus eligibility.
Work Life Balance: Hybrid, 2-3 days/week in the office; relocation assistance is not available for this position.
NOTE: We are unable to consider candidates who require visa sponsorship for this position
This position is not open to agency submissions
#GMFJobs
Why GM Financial Bank?
GM Financial Bank is a newly formed bank. Team members joining now will play a pivotal role in shaping the bank, which will offer auto finance and deposit products. Joining GM Financial Bank means an opportunity to help build a customer-focused bank from the ground up.
This position will be posted until filled.
Responsibilities
About the role:
The Credit Risk Analyst supports the AVP – Credit Risk in managing, monitoring and reporting on credit risk strategies. The position provides analytical insight into credit performance, policy execution and portfolio trends while developing a foundational understanding of consumer credit, underwriting practices and bank regulatory expectations. The position will work with a variety of internal clients as well as interacting with Management. This role offers a strong development opportunity for an analytically driven early-career professional through structured coaching and exposure to leadership and credit governance.
In This Role You Will
- Operate effectively in a startup banking environment, demonstrating the agility to manage multiple priorities, adapt quickly to changing needs, and assume new responsibilities as the credit program continues to evolve
- Support the AVP – Credit Risk in the development, monitoring and reporting of credit risk strategies
- Create recurring and ad-hoc credit risk reports, dashboards and analysis for management and governance committees
- Analyze origination trends, portfolio performance and credit execution metrics to identify emerging risks and opportunities
- Assist in the creation, maintenance and monitoring of credit policies, and procedures
- Employ best practices of data analysis and validation to ensure data accuracy and audit readiness
- Translate analytical findings into clear, concise summaries for leadership audiences
- Support preparation of materials for Leadership, Committees and Board reporting
- Conduct ad-hoc research projects including data collection, analysis and presentation of results
- Develop working knowledge of credit decisioning systems, underwriting workflows and servicing impacts
What makes you an ideal candidate?
- Working knowledge of data analysis, reporting and visualization techniques
- Strong analytical aptitude with ability to connect data trends to credit outcomes
- Understanding of consumer credit fundamentals and willingness to develop underwriting judgment
- High attention to detail and strong data accuracy discipline
- Effective written and verbal communication skills
- Ability to manage multiple priorities in a deadline-driven environment
- Proficient with Microsoft Excel, PowerPoint and Word
- Experience working with large datasets and complex spreadsheets
- Exposure to SQL, SAS, Power BI, Databricks or similar tools preferred (training supported)
- 0–2 years of experience working with complex Excel workbooks, querying large multi-table datasets, data analysis, and data presentation; experience in consumer loan or lease portfolio analysis, reporting and/or forecasting
- Prior loan officer, underwriting, and credit decisioning experience strongly preferred
- Bachelor’s Degree in Finance, Economics, Business, Mathematics, Business Analytics, MIS or related quantitative field required
Working effectively within an AI enabled environment:
- Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
- Skills in evaluating AI outputs for accuracy, compliance, and bias
- Experience integrating AI into workflows to improve efficiency or insights
- Familiarity with AI assisted research, summarization, and content generation
- Understanding of responsible AI use, including ethics and data protection
Our Culture: Our team members define and shape our culture — an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.
Compensation: Competitive pay and bonus eligibility.
Work Life Balance: Hybrid, 2-3 days/week in the office; relocation assistance is not available for this position.
NOTE: We are unable to consider candidates who require visa sponsorship for this position
This position is not open to agency submissions
#GMFJobs