Credit Risk Analyst I - Consumer

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GENERAL FUNCTION:

Responsible for developing analytics and reporting to assist in the identification and evaluation of all risks related to Consumer Credit (i.e. Direct, Indirect, Credit Card, and Mortgage). Identify and monitor credit quality trends in the consumer portfolios and contribute to the production of Line of Business Risk Assessments, Targeted Examinations, and Special Assessments. Stay abreast of industry trends and regulatory requirements (i.e., FFIEC, FRB).

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Conduct root cause analysis to identify opportunities to predict, prevent and mitigate risk within processes and performance across consumer lines of business.
• Develop, validate and implement various models used for loss forecasting, portfolio stress testing, account management analysis and other targeted analysis. Perform ad-hoc analysis of consumer portfolios as directed. Report and analyze characteristics of the Consumer Credit lines of business in relation to policies, guidelines and processes.
• Run daily/monthly/quarterly production processes in a meticulous fashion within established controls and tight deadlines. Develop reports to understand financial performance by risk and behavioral segments. Develop and document detailed application specifications in a form that it can be used for coding.
• Design, develop and interpret complex business and statistical analyses to support management decision-making as it applies to portfolio risk management and evaluation of marketing programs. Optimize risk/reward trade-off to support new risk initiatives and portfolio risk analytics involving relationships among key business drivers.
• Establish close working relationships with the Credit functions of the various Consumer Lending groups, while maintaining independence/objectivity. Monitor and evaluate problem loan statistics. Ensure that appropriate reporting of activity is occurring consistent with Bancorp policy as well as pertinent accounting/regulatory guidance.
• Identify and communicate potential policy and or operational improvements that will enhance credit quality. Evaluate new consumer risk related data sources and risk analytical tools, and develops innovative risk management capabilities and processes.
• Conduct root cause analysis to identify opportunities to predict, prevent and mitigate risk within processes and performance across consumer lines of business.
• Prepare and deliver presentations related to recommendations and strategy results to business partners and management.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• Master’s degree in relevant field (Business, Finance, Statistics, Economics, etc). PHD in relevant field preferred. An equivalent combination of education/experience will be considered in lieu of a Master degree.
• Minimum 5 years’ experience in reporting systems, database management and statistical modeling.
• Excellent analytical, verbal and written communication skills.
• Demonstrated ability to understand various applications and business intelligence/database tools.
• Demonstrated ability to work on multiple projects within expected timelines.
• Demonstrated ability to work cohesively within a team.
• Minimal 5 years experiences of BASE/SAS, STAT/SAS, MACRO/SAS, Graph/SAS, Mainframe SAS and SAS Enterprise Guide.
• Minimal 5 years’ experience to access and query a multitude of databases on different platforms such as Oracle/DB2/MS-SQL Server/Teradata/MS Access, translate SQL queries among different database platforms, create and maintain data sets as appropriate by SQL programming.
• Demonstrated ability to learn and understand various applications and business intelligence/database tool