CSG Underwriting, Credit Lines

Ally Financial only succeeds when its people do. We see our people as individuals with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things.

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.

About the role

As a part of the Commercial Credit Lines team, the Commercial Credit Analyst is responsible for Portfolio Risk Management and identifying growth and profit opportunities. Responsibilities may include dealer interface/service, continuous monitoring of commercial customers' credit portfolios, and concentrating on areas of risk and loss prevention. Requires critical analysis and frequent contact with commercial customers, dealership personnel, matrix partners, and outside stakeholders. Must comply with strict adherence to company risk management policies and guidelines. A significant portion of time is spent on basic work (e.g., due diligence, document processing, financial/statistical analysis).

Responsibilities

• Monitor and manage commercial portfolios through data obtained from both internal and external sources.
• Conduct proactive risk recognition.
• Manage exposure utilizing current company risk management policies, procedures, and guidelines.
• Develop appropriate action plans to mitigate risk and resolve outstanding issues.
• Ensure proposed and existing commercial credit lines are appropriate based on credit factors and outstanding debt remains within established credit lines, at all times.
• Execute all action plans and contingencies.
• Use a collaborative approach with other business units including Administration, Risk, Sales, and Underwriting.
• Identify growth opportunities within portfolio and leverage Business Development for revenue growth.
• Maximize corporate profitability and ROE.

Requirements

Minimum Qualifications

• 1+ years in financial services or similar industry
• High school Diploma or GED equivalent

Preferred Qualifications

• 3+ years as credit analyst preferred
• 3+ years of basic accounting and tax return knowledge preferred
• Bachelor's degree in business-related discipline strongly preferred
• Strong financial analysis and analytic/problem-solving skills required
• Perform technical tasks required to support ongoing business operations
• Intermediate to advanced knowledge of Microsoft Office programs

Benefits

• 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: Industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs, 529 educational savings 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.
• 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: Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program, and other employee discount programs.
• Other compensations: Depending on the role, you may be eligible for travel allowances, relocation assistance, a signing bonus, and/or equity.

Pay

Base Pay Range: $55,000 - $95,000 USD. An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. This position is eligible to participate in our annual incentive plan.

Schedule

Hybrid in-office role in Lewisville, TX (3 days in office / 2 days remote).