Credit Risk Modeling & Reporting Analyst

Credit Risk Modeling & Reporting Analyst

Bank United

Hybrid opportunity - Miami Lakes, FL

Reporting to the Financial Risk Modeling & Reporting Manager, the Credit Risk Modeling and Reporting Analyst is part of the Enterprise Risk Analytics team, producing valuable recurring risk reporting and analytics and advancing the modeling framework to identify and manage risk. The analyst combines analytical, communication, and technical reporting skills to deliver professional, articulate, and insightful reports for management.

• Periodic reporting on the loan portfolio, generating reports in formats including Tableau dashboards, Microsoft Excel reports, PowerPoint presentations, and Microsoft Word reports on a periodic and ad‑hoc basis. Reporting includes:
  • Quarterly and end‑to‑end stress testing, credit risk attribution, credit VaR, sensitivity analysis, and risk decomposition.
  • Generation and utilization of results from Moody's Risk Calc, Commercial Mortgage Metrics, and Risk Frontier platforms.
• Drive the automation of report and dashboard generation to ensure consistency, accuracy, and repeatability in credit risk reporting.
• Develop expertise in Moody's CMM, Risk Calc, and Risk Frontier.
• Integrate and utilize data from a variety of sources efficiently and accurately to enhance risk reporting.
• Assist risk management in designing and implementing risk reporting across diverse media.
• Maintain accurate documentation for tasks associated with the role.
• Use knowledge of risk concepts to identify inconsistencies in reports.
• Collaborate with data and technology teams to improve the data infrastructure supporting these initiatives.
• Adhere to and comply with applicable federal and state laws, regulations, and guidance, including anti‑money laundering requirements (e.g., Bank Secrecy Act, US PATRIOT Act).
• Follow bank policies and procedures and complete required training.
• Identify and report suspicious activity.

Degree in a quantitative discipline (e.g., Statistics, Finance, Mathematics, Engineering, Economics) required.

• Experience in financial services, preferably within Credit Risk, Treasury, Capital Markets, or ALM at a medium to large financial institution, with exposure to analytics and modeling applied to finance and risk.
• Proficiency in generating Tableau reports preferred.
• Proficiency in programming languages such as R or Python preferred.
• Experience merging data from multiple databases preferred.
• Candidates with less banking experience but outstanding skills may be considered.

• Chartered Financial Analyst (CFA) preferred.
• Professional Risk Manager (PRM) preferred.
• Financial Risk Manager (FRM) preferred.

• Understanding of credit models (PD, LGD, etc.) to interpret and reconcile risk results.
• Knowledge of statistical methods including Monte Carlo simulations, logistic regression, and linear regression.
• Excellent communication skills (visual, verbal, written) to translate complex concepts for diverse audiences.
• Strong interpersonal skills to collaborate across divisions.
• Ability to work under pressure, meet deadlines, manage competing initiatives, and adapt to a changing work pace with a focus on accuracy and attention to detail.
• Experience with Moody's Credit Risk Solutions (Risk Calc, Commercial Mortgage Metrics, Risk Frontier).
• Prior experience in credit risk reporting, database work, and task automation.
• Knowledge of statistical concepts related to credit risk measurement.

• Candidates residing in Bank United's footprint may be given preference.