Credit Risk Analyst - GM Financial Bank

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.

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

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

Bachelor’s Degree in Finance, Economics, Business, Mathematics, Business Analytics, MIS or related quantitative field required

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