CSG Underwriting, Credit Lines

Ally and Your Career

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - 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. You’re constantly evolving, so shouldn’t your opportunities be, too?

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.

Location:

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

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).

• 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.

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

• 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.
• Requires intermediate to advanced knowledge of Microsoft Office programs.

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…