Credit Risk Analyst - 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.

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.

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.

• 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

• 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)

• 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

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…