Credit Risk Analyst - GM Financial Bank

Location: Salt Lake City, Utah, United States; hybrid schedule with 2–3 days per week in the office

Relocation assistance is not available. Visa sponsorship is not available for this position.

Company

hirify.global Bank is a newly formed bank building customer-focused auto finance and deposit products.

What you will do

• Support the AVP of Credit Risk with the development, monitoring, and reporting of credit risk strategies.
• Create recurring and ad-hoc credit risk reports, dashboards, and analyses for management and governance committees.
• Analyze origination trends, portfolio performance, and credit execution metrics to identify emerging risks and opportunities.
• Assist with the creation, maintenance, and monitoring of credit policies and procedures.
• Validate data for accuracy and audit readiness, and translate findings into concise leadership and board reporting.
• Conduct research projects and develop working knowledge of credit decisioning systems, underwriting workflows, and servicing impacts.

Requirements

• 0–2 years of experience with complex Excel workbooks, large multi-table datasets, data analysis, and data presentation.
• Bachelor’s degree in Finance, Economics, Business, Mathematics, Business Analytics, MIS, or a related quantitative field.
• Working knowledge of data analysis, reporting, and visualization techniques.
• Understanding of consumer credit fundamentals and willingness to develop underwriting judgment.
• Proficiency with Microsoft Excel, PowerPoint, and Word.
• Strong analytical, communication, prioritization, and data accuracy skills.

Nice to have

• Exposure to SQL, SAS, Power BI, Databricks, or similar tools.
• Experience analyzing, reporting on, or forecasting consumer loan or lease portfolios.
• Prior loan officer, underwriting, or credit decisioning experience.
• Experience using AI tools such as Microsoft Copilot and evaluating AI outputs for accuracy, compliance, bias, ethics, and data protection.

Culture & Benefits

• Opportunity to help shape a newly formed bank and its evolving credit program.
• 401(k) matching and tuition assistance.
• Bonding leave for new parents: 12 weeks fully paid.
• Training, a GM employee auto discount, community service pay, and nine company holidays.
• Culture focused on innovation, integrity, community, and belonging.