The Requirements
To be a strong fit for the Credit Risk Analyst opportunity, you will have:- Excellent mathematical and quantitative skills, including statistics and quantitative analysis, along with financial and business acumen
- 2+ years in a lending, scoring, financial or statistical field is desirable. We will also consider outstanding recent graduates with the drive to learn and develop their career Quick question for you - click here
- High-level MS Excel skills, including the ability to model, manipulate and analyze large datasets; proficiency in relational databases such as Access; Visual Basic is a plus Quick question for you - click here
- The ability to create and develop reports with a strong attention to detail
- A bachelor’s degree in Mathematics, Statistics, Finance, Economics, Business, Business Administration or a related field. An MBA or another relevant master's degree preferred Quick question for you - click here
- Strong verbal and written communication skills; presentation experience or the disposition and desire to learn to effectively present to leadership
- The ability to effectively interact with all levels of management
- Self-motivation combined with a results orientation; the ability to manage pressure and meet deadlines
- Excellent problem-solving and decision-making ability
- Good organization, prioritization and time management skills to manage conflicting priorities and multiple deadlines
- A creative, inquisitive mind capable of abstract thinking; intellectual curiosity
The Role
Role OverviewAs Credit Risk Analyst, you will join our Consumer Financial Services Risk Analytics department. You will be responsible for monitoring and preparing analyses on the credit quality and performance of our loan and lease portfolios in order to keep your finger on the pulse of the market and inform quality decision making and maintain the health of the Consumer Financial Services Portfolio. You'll leverage your excellent Excel skills to do your job, as well as Access and Tableau, which we'll teach you if necessary.
Role Details
Working and partnering with the Finance and other departments, such as Sales & Marketing, you will monitor key performance indicators (KPIs), assess risk, and create weekly and monthly financial reports, including forecasting, to be presented to senior leadership onsite in Torrance and virtually to leaders in Irving, Texas. A sampling of your specific duties includes:
- Preparing analyses, reporting, and presentation of key performance indicators such as credit originations quality, delinquency performance, charge off behavior, and post charge off recovery effectiveness.
- Assisting with risk mitigation strategies, including but not limited to, credit policy changes and analyses to optimize collection efforts.
- Supporting the Risk Analytics department with analytical ad hoc assignments as needed.
- Leading credit-related projects and/or developing credit risk analyses as requested.
- Identifying trends and developments in the automotive industry and making recommendations to management that improve effectiveness or efficiencies for credit risk related areas.
More Good Reasons
Launching a promising careerWe hire with an eye to the future and take a proactive approach to ensuring that you get off to a great start, laying the foundation for a long and mutually beneficial relationship between AHFC and you. You bring the drive to succeed, and we'll provide the tools and training needed to build the foundation to excel and advance your career.
Career growth
While you could be happy and challenged in this role for years to come, it has also historically proven to be a training ground for advancement. Analysts have moved into Sales and Marketing, Finance, analyst positions in other departments, and leadership roles such as assistant managers and beyond.
High impact & visibility
This is an important role in ensuring the portfolios' health and continued success. The story you paint through the data will be critical to strong decision making and will get the attention of leaders.
Dynamic team and department
We're a small group with a big impact. The team includes members with a history of success, a wealth of knowledge and top degrees. We're fast-paced and dedicated, but also enjoy one another and get along well.
Stability and growth
AHFC reported $6.9 billion in revenue in fiscal 2016 (ended March 31, 2106), up 8% over 2015, and we maintain excellent credit ratings. Ratings and outlook for Honda Motor Co., Ltd. and its supported subsidiaries, including AHFC, are A1/A+ Stable (S&P) and P1/A1 Negative (Mood's). While AHFC supports approximately 3.3 million customers, we maintain high underwriting standards that are reflected in low charge-off and delinquency numbers year after year. And, of course, we are backed by Honda Motor Co., Ltd., in Japan, with 2016 revenues at more than $146 billion.
Compensation & benefits
In addition to a competitive salary, we offer a comprehensive benefits package that includes a 401(k) match; medical, dental, and vision plans; and much more.
Pictured: Cars and SUVs are just the beginning. AHFC provides attractive financing programs and supports dealers of Honda motorcycles, generators, marine engines, and other products.
Keys to Success
To be successful in the role of Credit Risk Analyst, you will be a visual mathematician who can see activity and translate that activity into numbers. You should also be analytical in the way you look at portfolios and creative enough to read between the lines when information is not well defined.In addition, to be an outstanding Credit Risk Analyst, you will:
- Be level-headed and calm in dealing with competing priorities and deadlines.
- Demonstrate a commitment to your work. Work ebbs and flows, but ad hoc work and month end can require a strong time commitment.
- Take a results-oriented, get-it-done approach.
- Effectively deal with ambiguity and work with abstract problems.
- Dedicate yourself to knowledge gain to continually advance your career.
- Communicate effectively, both inside and outside of the department.
- Bring a positive attitude as a team player who enjoys contributing to the success of the department.
About Us
The Power of DreamsEveryone is born with the ability to think, create, and dream. At Honda, we believe the Power of Dreams is realized when we work together to make them real. The joy of creating quality products that have a positive impact on all our lives is the Honda Way. Our products are creations of our associates. That's why Honda views its associates as its most valuable asset -- each and every associate plays an important role in the success of the Company.
At American Honda Finance Corporation, we collaborate with our direct parent, American Honda Motor Co., Inc. (AHM), and our affiliate, Honda Canada, Inc. (HCI), to support Honda and Acura product sales in the United States and Canada. Our vision is to be the premier automotive financial services company in the industry, and we focus on cultivating high employee, customer and dealer satisfaction and loyalty.
We offer financing in the form of both retail installment sales contracts and leases, depending on the product and the needs of the particular customer. Leases are offered through our affiliate Honda Lease Trust for new and used Honda motor vehicles. In addition, we and our Florida affiliate American Honda Service Contract Corporation, administer vehicle service contracts sold by Honda Dealers throughout the United States.
American Honda Finance Corporation is a wholly owned subsidiary of American Honda Motor Co., Inc., the sole authorized distributor of Honda and Acura motor vehicles, Honda motorcycles, Honda power equipment and Honda and Acura parts and accessories in the United States. American Honda Motor Co., Inc., is a wholly owned subsidiary of Honda Motor Co., Ltd., a Japanese corporation which is a worldwide manufacturer and distributor of motor vehicles and power equipment.
Through the efforts of our parent corporation, American Honda Motor Co., Inc., American Honda Finance Corporation takes an active role as a citizen of the communities that we serve. By supporting important community initiatives, we hope to help make a difference
Video: Our Associates share what they love about the culture of American Honda Motor Co, from the corporate office to the assembly lines to the dealers' showrooms.