Consumer Loan Review - Analyst II

We need to output HTML fragment with sections: headings

for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections if posting has real specific content. Must not repeat job title. Must not include Job ID etc. Must preserve all substantive info. Remove boilerplate like EEO, etc. Also remove navigation, cookie, legal, duplicated lines, application instructions. Must not include placeholder sections like Pay/Schedule/Benefits unless posting actually states them. The posting includes: Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need. The Opportunity This role is on a hybrid schedule in our Detroit office only, in office a few days weekly with some remote work. So schedule info present. Also Pay: Base Pay Range $55,000.00 - $95,000.00. Also mention incentive compensation eligible for annual incentive plan. So Pay section present. Benefits: described in "How We'll Have Your Back" with many benefits. So Benefits section present. About the role: The Opportunity description etc. Responsibilities: The Work Itself bullet list. Requirements: Preferred Qualifications and Minimum Qualifications. Skills: maybe combine? But we can have Qualifications and Skills separate if content. The posting includes Preferred Qualifications list and Minimum Qualifications. Also includes abilities like strong written/verbal communications, critical thinking, etc. Those could go under Skills. We'll need to decide sections: About the role (summary), Responsibilities (The Work Itself), Requirements (Preferred Qualifications + Minimum Qualifications maybe), Skills (maybe separate but could be part of Requirements). However guidelines: Use headings for section headings e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We can include multiple but only if real content. We have content for About the role (The Opportunity paragraph). Responsibilities (The Work Itself bullet list). Requirements (Preferred Qualifications and Minimum Qualifications). Skills (maybe we can extract skills like strong written/verbal communications, critical thinking, conflict resolution, project management, data analytics willingness, etc.) Benefits (How We'll Have Your Back). Pay (Base Pay Range + incentive). Schedule (Work Schedule details). We'll need to avoid duplication and boilerplate. Also remove EEO etc. Also remove "Who We Are" maybe not needed? It's about company but could be considered About the role? Probably not needed; we can drop as it's generic. Also remove "Ally is an equal opportunity employer..." etc. Also remove link to Total Rewards maybe not needed? It's part of benefits but we already captured benefits; we can keep link? Might be considered boilerplate? It's a link to more info; could be kept but maybe not needed. Safer to omit as it's not substantive detail? It's a reference; but we can keep as part of Benefits? Might be okay but not required. We'll omit to keep concise. We must preserve ALL substantive information; do not invent or summarize away detail. So we need to include all details from the posting that are substantive: The Opportunity paragraph, The Work Itself bullet list (each duty), Preferred Qualifications list, Minimum Qualifications, Benefits details (Time Away, Planning for the Future, Supporting your Health & Well-being, Building a Family, Work-Life Integration, Other Compensations). Also Base Pay Range and Incentive Compensation. Also Work Schedule details. We must not lose any detail. So we need to include each bullet point exactly as given, maybe rephrase? Must preserve substance but can be in

. We'll copy the text. Let's extract sections. About the role: The Opportunity paragraph: "This role is on a hybrid schedule in our Detroit office only, in office a few days weekly with some remote work. The Consumer Loan Review team is part of Ally’s Internal Audit function and completes reviews of Ally’s various consumer credit portfolios and supporting functions with a focus on credit policies and standards, underwriting activity, and portfolio management and reporting. The Consumer Loan Review – Analyst II role provides an opportunity to help evaluate the quality of Ally’s consumer lending decisions, challenge credit risk practices, and contribute to independent assessments that inform senior management and risk governance. This role is designed for a developing credit risk professional who wants to build deeper expertise in consumer lending, independent review, analytics, and risk governance." We could also include earlier paragraph about Ally and Your Career? That's more generic fluff; but it's substantive? It's about company values; maybe we can include as About the role? But guidelines: prefer few substantive sections over many thin ones. Might be okay to include as About the role? However it's more about Ally's culture; could be considered About the role? Might be okay but could be considered boilerplate? It's not standard boilerplate; it's describing company values. Might be okay to include but we risk being too thin. I'd keep only The Opportunity as About the role. Responsibilities: The Work Itself bullet list: - Learn Ally's Consumer Loan Review approach, methodology and tools/technology. - Assist in the development of review scopes and testing attributes for consumer loan review projects. - Execute and document assigned test procedures related to credit strategy, underwriting, portfolio performance, etc. - Complete assigned testing procedures while meeting timelines for each review. - Document workpapers in accordance with Loan Review policy and standards. - Identify and draft issues resulting from testing including identifying root cause and risk impacts. - Assist with the validation of issues identified during reviews to ensure management has properly remediated the associated risks. - Maintain regular communication with Loan Review management and participate in meetings with business partners while maintaining independence. - Develop and maintain proactive working relationships with the appropriate Business Line, Independent Risk Management, and Audit Services personnel across Ally. - Participate in Loan Review's continuous monitoring program. - Develop practical analytics capabilities using tools such as Microsoft Copilot, SQL, Power BI, and Python to identify credit risk trends, and support risk-based insights. We need to keep each as

. Requirements: Preferred Qualifications and Minimum Qualifications. Preferred Qualifications list: - Bachelor’s degree or commensurate work experience - 2 years of experience within a credit related role such as credit underwriting, risk management, or auditing credit / credit related processes. (Consumer automotive credit experience preferred) - Understanding of risk management concepts and key performance drivers within consumer lending portfolios. - Familiarity with risk and control concepts. - Ability to work collaboratively and effectively at all levels of the organization. - Strong project management skills: detail-oriented, deadline driven, self-motivated, and organized. - Strong written and verbal communications skills. - Critical thinking and conflict resolution skills. - Willingness to learn data analytics skills and usage of associated tools such as SQL, Power BI, and Python, Excel - Ability to occasionally travel is required (up two trips per year). Minimum Qualifications: - 1+ years of experience - High school Diploma or GED equivalent We could combine under Requirements heading, or separate Qualifications and Skills. Since we have both Preferred and Minimum, we can put under Requirements. Skills: Could extract skills like strong written/verbal communications, critical thinking, conflict resolution, project management, data analytics willingness, etc. But those are already in Preferred Qualifications. Might be redundant. Better to not create Skills section if content overlaps; we can just have Requirements covering both qualifications and skills. But guidelines allow Skills heading; we could still include if we have distinct skill statements not captured elsewhere. However the Preferred Qualifications already includes skills. To avoid duplication, we could omit Skills section. The instruction: "Prefer a few substantive sections over many thin ones." So we can skip Skills. Benefits: How We'll Have Your Back paragraph includes many benefits. We need to capture all bullet-like items. The text: "Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including: Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level). Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access. Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially. Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts. Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs. Other Compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity. To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf" We need to preserve all substantive info. The link maybe optional but it's part of benefits detail. We'll keep as a

with link. Pay: Base Pay Range $55,000.00 - $95,000.00 and Incentive Compensation: "This position is eligible to participate in our annual incentive plan." Schedule: Work Schedule details: "Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need. The Opportunity This role is on a hybrid schedule in our Detroit office only, in office a few days weekly with some remote work." We need to avoid repeating The Opportunity text (already used in About the role). But schedule part includes that sentence again; we can keep schedule details but maybe we should not duplicate the Opportunity sentence. However we must preserve all substantive information; if we omit that sentence we lose info that it's hybrid schedule in Detroit office only, in office a few days weekly with some remote work. But we already have that in About the role. Duplication is okay? The instruction: "Remove duplicated lines". So we should not duplicate the same sentence. So we should keep schedule details but avoid repeating the Opportunity sentence. So schedule section will contain: "Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need." That's it. Now we need to output HTML fragment with

headings and

• for lists,

  for prose. We must not include