Analyst II, Credit Risk
About The Position
As an Analyst II, Funding Analytics, you will play a critical role in supporting CarMax Auto Finance (CAF)'s funding strategy and driving operational excellence across transaction execution, lending facility monitoring, and funding optimization. In this dynamic position, you'll leverage advanced data analytics and database tools to support funding transactions, monitor the health of CAF's lending facilities, and build forecasting models that identify compliance and capacity risks. Your insights will help optimize funding decisions, inform transaction strategy, and deliver actionable recommendations to Treasury, Credit Risk, and senior leadership. You'll also design and maintain reporting that tracks lending facility performance and forecast outputs, ensuring timely and accurate updates for decision-making. This role demands a strong commitment to compliance and operational risk controls, aligning with CarMax's reputation for integrity and transparency.
Requirements
- Bachelor's degree required.
- 0–3 years of experience in an analytical role.
- Strong ability to access, manipulate, and interpret data using analytical tools.
- Advanced proficiency in Excel, including comfort with complex formulas; proficiency in PowerPoint and general software applications.
- Strong attention to detail and analytical rigor — recurring monitoring and reporting work requires accuracy.
- Strong communication skills, including the ability to translate technical analysis for non-technical partners.
Nice To Haves
- Degree in an analytical or mathematics discipline.
- Experience with programming tools (e.g. SQL, Python)
- Experience building forecasting, projection, or scenario models.
Responsibilities
- Support the execution of CAF's funding transactions, including portfolio analysis, performance modeling, and validations that support regulatory reporting requirements.
- Monitor the health of CAF's lending facilities on a daily and monthly basis, tracking performance against contractual limits to flag emerging risks proactively.
- Analyze funding opportunities across the credit spectrum and contribute to the implementation of strategies.
- Support and maintain forecasting and risk models, including multi-year funding forecasts and account-level risk models, that identify compliance and capacity risks and inform smarter transaction strategy.
- Deliver insights and updates to business partners and senior leadership, supporting strategic decision-making on funding execution and underwriting impact.
- Ensure compliance with regulatory standards and operational risk controls, maintaining CarMax's commitment to integrity.
Benefits
- Opportunities to make an impact every day
- Meaningful and rewarding work
- Innovation meets passion
- Be inspired and supported
- Customer-focused, data-driven approach
- Culture that values collaboration and innovation
- Fast-paced environment
- Analytical expertise will help execute funding transactions
- Monitor the health of CAF's lending facilities daily
- Evaluate funding opportunities across the credit spectrum
- Build the forecasting tools that keep CAF ahead of industry trends
- Partner closely with multiple teams in a two-way information flow that sharpens our models and strengthens CAF's overall funding execution
- Independent thinkers who are comfortable with ambiguity
- Eager to build solutions from the ground up
- Committed to doing what's right for both the business and our customers
- Commitment to customer experience, innovation, and community
- Commitment to helping our communities thrive
- Innovative movement to empower the modern customer and drive progress
- Your work fuels change—sparking ideas, overcoming challenges, and shaping what's next
- Creating a better future– for our company, our customers, and the communities we call home
- Equal opportunity employer
- Consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, protected veteran status, disability status, or any other characteristic protected by law.
- Reasonable accommodation to complete the CarMax Job Application.
- Honest, transparent and high-integrity experience customers want and deserve.
- Commitment to training and diversity
- FORTUNE 100 Best Companies to Work For®
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
