Ally Financial Careers

 This position is in IRM’s Ally Mortgage Credit Risk Team in Charlotte, North Carolina. This role is on a hybrid schedule- in CLT office weekly as well as some remote days each week 

The Senior Credit Risk Analyst is responsible for conducting complex analysis and in-depth credit risk related research of Ally's consumer portfolio to assist Independent Risk Management (IRM) in executing its responsibilities. IRM's responsibilities include providing an objective, critical assessment of risks and evaluation of whether Ally remains aligned with its risk appetite and risk limits. The analysis and research include reviewing and evaluating adherence to credit risk policies and procedures, credit decisioning methods used, developing and publishing credit risk related reporting on portfolio trends and measures, and drafting presentations to communicate conclusions to all levels of management.

 The Credit Risk team within the IRM function is responsible for analytics and reporting that enable effective review and challenge of credit risk being taken in Ally Mortgage; our consumer mortgage business lines, including risks associated with the existing portfolio, loan originations, new product offerings, and changes in underwriting guidelines and credit risk policy. 

Ally businesses are growing, with many initiatives that provide opportunities to combine strategic insights with an understanding of consumer trends and risk drivers. 

 IRM maintains and implements Ally's risk management framework and independently oversees risk-taking activities, sets parameters representative of a strong risk culture that encourages an informed, measured, disciplined, and balanced approach to risk-taking and fair and honest treatment of customers, counterparties, and employees.

• Independently identify, assess, measure, mitigate, control, monitor, test, report, and escalate risks, including aggregated risks across the enterprise
• Responsible for ensuring data validity, accuracy of deliverables while adhering to enterprise policies and procedures
• Support credible challenge of and advise of the Ally Mortgage Business Line with respect to the management of risks
•  Set the criteria and independently test Business Line credit policy adherence and control effectiveness
• Conduct ad-hoc analytics and manage various other independent projects
• Support and execute a risk-based annual testing and monitoring plan; report on results and escalate issues as necessary
•  Create monthly Monitoring and Testing reports for management
• Assess credit policy and procedural change requests from Underwriting and Servicing organizations
• Review and challenge BL credit policies, standards, and procedures

• Bachelor's degree preferred in business related field preferred
• 3+ years relevant analytical experience in underwriting, portfolio management, or credit risk within financial services. 
•  Experience of relational database concepts like Oracle, SQL Server required
• Experience with data visualization business intelligence reporting tools ( Power BI,  Tableau, or equivalent) 
• Proven track record performing in-depth analysis and clearly reporting findings
• Proven track record of contributing to and leading projects
•  Proficient in Microsoft Office Suite like Excel, PowerPoint, Word and Visio and standard Enterprise systems
•   Ability to provide advice/direction in primary areas of expertise
•  Ability to support multiple assignments and stakeholders, self-prioritize workload and coordinate with teammates to ensure that deadlines are met
•  Strong presentation, interpersonal and communication skills, including ability to articulate complex problems in a simple manner
•  Demonstrate technical expertise and relationships to contribute to strategy and drive business results
• General understanding of consumer mortgage preferred 
• QA/QC, Underwriting and/or Servicing experience preferred