Ally • Raleigh, NC 27608
Job #2681320602
General information
Ref # 17335
Remote? No
Ally and Your Career
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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?
The Opportunity
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.
The Work Itself
The Skills You Bring
How We'll Have Your Back
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Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally's total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including: * Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting. * 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 and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs. * Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially. * Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts. * Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit ~~~.
Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.
Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally.
We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at ~~~. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.
Base Pay Range:
Emerging: 70000
Experienced: 95000
Expert: 120000
Incentive Compensation: This position is eligible to participate in our annual incentive plan
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