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Title:Senior Credit Risk Analyst
Department:Risk Management
Duties/Responsibilities:
- Analyzes credit risk exposure related to loan activities
- Assists in conducting analysis to mitigate credit risk, create and monitor credit policy, measure credit execution and credit structure
- Monitors credit performance by various dimensions
- Utilizes data mining and advanced spreadsheet skills to quantify credit risk related to loan activities
- Employs best practices of data analysis and validation to ensure data results are accurate
- Assists in the creation, maintenance and monitoring of origination credit policies, procedures, and lending stipulations
- Understands how changes to origination credit policy and lending environment can impact loan volume as well as overall credit performance
- Proactively monitors and reports relevant changes in origination trends to management
- Conducts ad hoc research projects incorporating project design, data collection and analysis, summarization of findings, and presentation of results
- Effectively summarizes and communicates origination trends, credit execution, and credit performance to management
Required Skills/Abilities:
- Expert with Microsoft Excel, PowerPoint, and Word
- Experience with respect to data analysis and spreadsheet modeling and/or reporting
- Experience with coding (SAS, SQL, R or Python preferred) for data mining and analysis
- Querying skills and knowledge in a data warehouse environment
- Demonstrated quantitative skills
- Acute attention to detail
- Effective written and verbal presentation skills
- Ability to interact collaboratively and proactively with internal customers
- Capable of managing multiple projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines
- Understanding of the metrics utilized in monitoring the loan origination process in a consumer lending portfolio
Education/Experience:
- Bachelor’s Degree Finance, Economics, Mathematics, Business, MIS, or other quantitative field required
- Master’s Degree Finance, Economics, Mathematics, Business, MIS, or other quantitative field preferred
- 4 or more years of experience working with complex Excel workbooks, querying large multi-table datasets, and data presentation; ability to demonstrate proficiency with the following tools: SAS, SQL, R and/or Python, Microsoft Excel, PowerPoint, and Word required. Experience in consumer loan originations and analysis is preferred.
Physical Requirements:
- Normal office environment
- Strong focus on providing quality service to internal and external customers
- Limited travel may be required to support business needs
- Must be able to deal with stressful office conditions while troubleshooting problems
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