Associate Analyst - Dealer Lending

General information

Career area Underwriting Work Location(s) 2911 Lake Vista Drive, TX, 5851 Legacy Circle, TX Remote? No Ref # 21725 Posted Date 02-20-26 Working time Full time

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.

The Opportunity

• Keywords: Commercial Underwriter, Auto Underwriter, Research Auto Analyst, Data or Support Analyst
• Industry Experience: Auto, Financial, Insurance

As a part of the SmartAuction 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 SmartAuction limits and new SmartAuction acquisitions. Responsibilities include dealer interface / service; monitoring of company SmartAuction 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).

The Work Itself

• May interface with senior management to convey information.
• Conduct proactive risk recognition.
• Ensure SmartAuction & White Label spending / posting limits are appropriate based on risk factors, sales rates, volume and seasonal / market fluctuations.
• Ensure outstandings remain within established spending / posting limits at all times.
• Complete underwriting as well as applicable due diligence on SmartAuction / White Label dealerships with data obtained from both internal and external sources.
• Participate in regular meetings to review / discuss assigned portfolio and develop