Credit Risk Analyst - GM Financial Bank

About the job

Why GM Financial Bank?

GM Financial Bank is a newly formed bank. Team members joining now will play a pivotal role in shaping the bank, which will offer auto finance and deposit products. Joining GM Financial Bank means an opportunity to help build a customer-focused bank from the ground up.

This position will be posted until filled.

Responsibilities

About the role:

The Credit Risk Analyst supports the AVP – Credit Risk in managing, monitoring and reporting on credit risk strategies. The position 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. The position will work with a variety of internal clients as well as interacting with Management. This role offers a strong development opportunity for an analytically driven early-career professional through structured coaching and exposure to leadership and credit governance.

In this role you will:

• Operate effectively in a startup banking environment, demonstrating the agility to manage multiple priorities, adapt quickly to changing needs, and assume new responsibilities as the credit program continues to evolve
• 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

Qualifications

What makes you an ideal candidate?

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

Experience and Education

• 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
• Prior loan officer, underwriting, and credit decisioning experience strongly preferred
• Bachelor’s Degree in Finance, Economics, Business, Mathematics, Business Analytics, MIS or related quantitative field required

Additional Knowledge and Skills

Working effectively within an AI enabled environment:

• 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

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: Hybrid, 2-3 days/week in the office; relocation assistance is not available for this position.

NOTE: We are unable to consider candidates who require visa sponsorship for this position

This position is not open to agency submissions

#GMFJobs #LI-Hybrid #LI-CH1

Additional Information

• Job Identification: 261055
• Job Category: Legal, Compliance and Risk
• Posting Date: 2026-10-06
• Apply Before: 2026-10-20
• Job Schedule: Full time
• Locations: 6330 S 3000 East, Salt Lake City, UT, 84121, US (Hybrid)