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General information

**Ref #** 21013

**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 entry-level position is part of the Commercial Underwriting team at one of Ally’s five Regional Business Centers, which provide comprehensive, industry-leading service to Ally’s automotive dealership customers. This opportunity serves as a foundational role for highly motivated individuals eager to learn about the fast-paced automotive industry and commercial credit.

The role begins with a comprehensive training program designed to introduce the fundamentals of the position and Ally’s customer-focused approach to Commercial Auto Finance. Following training, the Associate Commercial Credit Analyst will interact with automotive dealership personnel and internal stakeholders to gather information and perform in-depth financial evaluations. These evaluations will form the basis for creating comprehensive account reviews, which will include recommendations on credit extensions to automotive dealerships (both existing and new relationships) to meet their business needs (such as inventory lines of credit, real estate and other commercial loans).

Along the way, the Associate Commercial Credit Analyst will receive ongoing developmental feedback, build relationships, and gain exposure to other functions. This includes exposure to local management and executive leadership to gain insight into strategic decision-making processes. Additionally, mentorship will be available to provide guidance and support from seasoned professionals committed to helping you succeed. Performance-based developmental rotation opportunities may also be encouraged, allowing you to experience various other key roles within Auto Finance, thereby broadening your expertise and career prospects.

#LI-hybrid

The Work Itself

* Communicate directly with automotive dealership personnel and internal stakeholders to obtain all required information for completion of comprehensive account reviews on current and prospective dealership customers.

* Conduct financial analysis and related due diligence (including cash flow and liquidity analysis, validation of financial records) on automotive dealership financial statements and supporting documentation.

* Prepare timely, formalized proposals summarizing the financial analysis and overall account relationship, identifying any credit concerns, and recommending appropriate risk mitigation strategies and lending structures for management review / decisioning.

* Participate in and support ongoing professional development and training initiatives.

* Ensure compliance with company policies, procedures and external regulations.

The Skills You Bring

* Bachelor’s Degree from an accredited university required; equivalent experience can be considered in lieu of the degree.

* Previous professional or internship experience preferred.

* Demonstrated track record of success through the articulation of quantitative and qualitative results.

* Candidates should possess/display strong analytical, time management, written and oral communication, problem solving and collaboration skills.

* Motivated self-starters who are eager to learn and grow within a dynamic organization.

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.

Who We Are:

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 www.ally.com.

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 [email protected]. 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:_

An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

**Emerging:** 47840

**Experienced:** 61420

**Expert:** 75000

Incentive Compensation: This position is eligible to participate in our annual incentive plan