Credit Review Analyst I - Auto Finance Fraud

GM Financial•Fort Worth, TX

1d•Hybrid

About The Position

The Credit Review Analyst I – Auto Finance Fraud performs independent, unbiased monitoring and assessments of the company’s credit activities, with an emphasis on detecting fraud and misrepresentation. The role works closely with Dealer segments to monitor compliance and proactively address loans originated with fraud or misrepresentation. The position reviews Excel-based red-flag reports, investigates loan originations, identifies underwriting and funding weaknesses, and supports analysis and reporting on the soundness of credit activities. It also monitors compliance with credit policies and procedures, consults with management on policy exceptions and control weaknesses, and develops recommendations to improve operations, efficiency, and internal controls. The role conducts research to stay current on industry fraud trends and resources and supports consistent quality, accuracy, and compliance within the department.

Requirements

High school diploma or equivalent required.
Bachelor’s degree required.
Competency with Microsoft Office, particularly Excel data-mining and filtering functions.
Ability to plan, execute, and improve work processes to achieve business objectives.
Ability to proactively achieve goals and objectives that positively affect business results.
Strong analytical and strategy skills.
Strong research and problem-solving skills.
Detail-oriented, with time-management and organizational skills.
Ability to explain complex issues and present technical information accurately and clearly.
Written and oral communication skills.
Ability to work independently.
Ability to make recommendations and decisions.
Ability to handle confidential information and situations discreetly.

Nice To Haves

0–2 years of auto lending, finance, or banking experience preferred.

Responsibilities

Review Excel-based red-flag reporting to identify accounts requiring fraud investigation.
Investigate loan originations for fraud or misrepresentation by reviewing loan documentation and systems used to underwrite, fund, and collect accounts.
Identify underwriting and funding weaknesses, address non-compliance, and recommend changes when necessary.
Assist in developing and supporting models, analysis, and reporting related to the soundness of credit activities.
Monitor quality across the organization by analyzing, summarizing, and monitoring compliance with credit policies and procedures.
Consult with management as needed and recommend actions regarding policy exceptions and control weaknesses.
Create management reports with recommendations to improve business operations, efficiency, and internal controls.
Research opportunities and resources to keep up with industry fraud trends.
Perform other duties as assigned.
Assist fellow team members in maintaining consistent quality, accuracy, and compliance with departmental standards and internal controls.