Risk Credit Policy Analyst II

Responsibilities

• Develop and continuously enhance credit underwriting policies and risk scorecards, translating risk appetite into data-driven decision rules, segmentation, and lending criteria
• Monitor, validate, and optimize policy and scorecard performance through back-testing, trend analysis, and impact assessments on approvals, volumes, and portfolio credit outcomes
• Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan and lease origination activities
• Summarize findings, develop recommendations and present analyses to management in a clear, concise, convincing, and actionable format
• Employ best practices of data analysis and validation to ensure data results are accurate
• Aid in the creation, maintenance and monitoring of origination credit policies, procedures and lending stipulations
• Understand how changes to origination credit policy and lending environment can impact loan/lease volume as well as overall credit performance
• Proactively monitor and report relevant changes in origination trends and portfolio performance to management
• Conduct ad hoc research projects incorporating project design, data collection and analysis, summarization of findings, and presentation of results

Qualifications

• Demonstrated understanding of data warehouses, data mining, reporting, data analysis and data visualization techniques
• Hands-on experience in developing and managing credit underwriting policies and origination scorecards, including implementation of decision rules and lending criteria
• Strong understanding of risk-based decisioning frameworks, including approval strategies, segmentation, and policy-rule optimization
• Advanced with Microsoft Excel, PowerPoint, and Word
• Experience with respect to data analysis and spreadsheet modeling and/or reporting
• Experience with coding (SAS or SQL preferred) for data mining and manipulation
• Querying skills and knowledge in a data warehouse environment
• Demonstrated quantitative skills
• Acute attention to detail
• Effective written and verbal presentation skills
• Ability to interact collaboratively and proactively with internal customers
• Capable of managing multiple projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines
• Understanding of the metrics utilized in monitoring the performance of a consumer or commercial lending portfolio is a plus
• Strong focus on providing quality service to internal and external customers

Additional Knowledge And Skills

• Working effectively within an AI enabled environment
• Ability to use AI tools (e.g., Microsoft Copilot) to support daily work
• 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

Work Experience & Education

• 2-4 years experience working with complex Excel workbooks, querying large multi-table datasets, data analysis, and data presentation; the qualified candidate will also be able to demonstrate proficiency with the following tools: SAS and/or SQL, Microsoft Excel, PowerPoint, and Word
• Required: High School Diploma, Associate Degree, Bachelor’s Degree in Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field; degrees in non-quantitative fields considered with adequate work experience
• Preferred: Master’s Degree in Finance, Economics, Mathematics, Business, Business Analytics, MIS, or other quantitative field

What We Offer

• Generous benefits package available on day one to include: 401K matching, bonding leave for new parents (12 weeks, 100% paid), tuition assistance, training, GM employee auto discount, community service pay and nine company holidays
• Our Culture: Our team members define and shape our culture — an environment that welcomes innovative ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.
• Compensation: Competitive pay and bonus eligibility
• Work Life Balance: Flexible hybrid work environment, 2-days a week in office