Associate Analyst - Dealer Lending

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.

• Industry
  
  Experience:
  
  Auto, Financial, Insurance

As a part of the Smart Auction Dealer Lending team, the Associate Analyst is responsible for risk management and identifying growth and profit opportunities. This position may include completing due diligence / financial analysis on comprehensive and administrative reviews associated with underwriting the renewal of existing Smart Auction limits and new Smart Auction acquisitions. Responsibilities include dealer interface / service; monitoring of company Smart Auction portfolio with concentration on areas of risk and loss prevention.

Requires critical analysis and frequent contact with dealership personnel, matrix partners and outside stakeholders. Incumbent is in the process of developing basic skills. A significant portion of time is spent on basic work (e.g., due diligence, document processing, financial/statistical analysis).

• May interface with senior management to convey information.
• Conduct proactive risk recognition.
• Ensure Smart Auction & White Label spending / posting limits are appropriate based on risk factors, sales rates, volume and seasonal / market fluctuations.
• Ensure out standings remain within established spending / posting limits at all times.
• Complete underwriting as well as applicable due diligence on Smart Auction / White Label dealerships with data obtained from both internal and external sources.
• Participate in regular meetings to review / discuss assigned portfolio and develop strategies for account monitoring;
  Establish appropriate action plans to mitigate risk and address any risk concerns.
• Manage exposure utilizing current company risk management policies, procedures and guidelines and ensure strict compliance.
• Seek opportunities to drive additional efficiencies and effectiveness into the Smart Auction processes.
• Provide superior customer service.

• HS diploma or equivalent required.
• Associate / Bachelor's degree in business related discipline preferred.
• 1+ years in financial services or similar industry is required, 3+ years is preferred.
• Prior leadership experience is preferred.
• Education may be used as a proxy for experience.
• Perform technical tasks required to support ongoing business operations.
• Typically requires comfortable knowledge of Microsoft Office applications.

At this time, Ally will not sponsor a new applicant for employment authorization for this position. #DFS

• 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 financial learning center and financial coach access.
• Supporting your Health & Well-being: flexible health and insurance…