Credit Risk Analyst - GM Financial Bank

GM Financial•Cottonwood Heights, UT

2d•Hybrid

About The Position

GM Financial Bank is a newly formed bank that will offer auto finance and deposit products. Team members joining now will play a pivotal role in shaping the bank from the ground up. This Credit Risk Analyst position supports the AVP – Credit Risk in managing, monitoring, and reporting on credit risk strategies. The role 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. This position offers a strong development opportunity for an analytically driven early-career professional through structured coaching and exposure to leadership and credit governance. The role requires operating effectively in a startup banking environment, demonstrating agility to manage multiple priorities, adapt quickly to changing needs, and assume new responsibilities as the credit program evolves.

Requirements

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
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
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

Nice To Haves

Exposure to SQL, SAS, Power BI, Databricks or similar tools preferred (training supported)

Responsibilities

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