Business Banking Credit Risk Analyst, Expert – 2nd Line
Job Description:
• Perform advanced credit risk data analysis on the small business portfolio to identify areas of risk
• Evaluate the risk of proposed product, process, policy, and model changes
• Provide ongoing monitoring of credit metrics
• Provide oversight of the quarterly ACL process and capital adequacy planning
• Ensure compliance with internal governance processes and external regulatory requirements
• Provide expertise and guidance to first-line partners
• Provide oversight and expertise in the model creation, testing and validation
• Develop and integrate model strategy to support business initiatives and regulatory compliance
• Lead Quantitative Analysts in establishing, monitoring, evaluating and interpreting data with a risk management focus
• Mentor and may supervise the work of junior team members and assist in the development of their analytical acumen, loss forecasting, and presentation skills
• Employ working knowledge of Credit Risk databases to provide data and analytical support to Senior Management
• Perform data manipulation and analysis using SQL, SAS and Microsoft Excel and present results and recommendations to Credit Risk Management
• Track portfolio performance and risk strategy results
Requirements:
• Bachelor’s degree, OR in lieu of degree, a combined minimum of 11 years higher education and/or work experience to include a minimum of 7 years relevant experience
• Master’s degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 5 years relevant experience or in lieu of degree, a combined minimum of 11 years higher education and/or work experience to include a minimum of 5 years relevant experience.
• Minimum of 7 years relevant experience in Banking or Financial Services experience
• Experience with SAS, SAS Enterprise Miner and other Statistical Software Packages.
• Advanced Knowledge of SQL and Microsoft Office.
• Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions.
• Demonstrated ability to communicate complex concepts.
• Demonstrated ability to manipulate and analyze data across large databases.
Benefits:
• Medical and retirement benefits
• Forty hours of paid volunteer time each year
• Perform advanced credit risk data analysis on the small business portfolio to identify areas of risk
• Evaluate the risk of proposed product, process, policy, and model changes
• Provide ongoing monitoring of credit metrics
• Provide oversight of the quarterly ACL process and capital adequacy planning
• Ensure compliance with internal governance processes and external regulatory requirements
• Provide expertise and guidance to first-line partners
• Provide oversight and expertise in the model creation, testing and validation
• Develop and integrate model strategy to support business initiatives and regulatory compliance
• Lead Quantitative Analysts in establishing, monitoring, evaluating and interpreting data with a risk management focus
• Mentor and may supervise the work of junior team members and assist in the development of their analytical acumen, loss forecasting, and presentation skills
• Employ working knowledge of Credit Risk databases to provide data and analytical support to Senior Management
• Perform data manipulation and analysis using SQL, SAS and Microsoft Excel and present results and recommendations to Credit Risk Management
• Track portfolio performance and risk strategy results
Requirements:
• Bachelor’s degree, OR in lieu of degree, a combined minimum of 11 years higher education and/or work experience to include a minimum of 7 years relevant experience
• Master’s degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 5 years relevant experience or in lieu of degree, a combined minimum of 11 years higher education and/or work experience to include a minimum of 5 years relevant experience.
• Minimum of 7 years relevant experience in Banking or Financial Services experience
• Experience with SAS, SAS Enterprise Miner and other Statistical Software Packages.
• Advanced Knowledge of SQL and Microsoft Office.
• Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions.
• Demonstrated ability to communicate complex concepts.
• Demonstrated ability to manipulate and analyze data across large databases.
Benefits:
• Medical and retirement benefits
• Forty hours of paid volunteer time each year