Bank Data Analyst II – CECL & Credit Risk

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The Bank Data Analyst II – CECL & Credit Risk will work as a member of Stifel's Analyst team within the Credit Risk Data Analytics group. The Credit Data Analyst II is responsible for automation and servicing of systematic data extraction from the Core systems and integration of data into applications used by the business. The Credit Data Analyst II will also act as a subject matter expert for assigned raw data sets as well as maintain documentation surrounding them.

The Credit Data Analyst II will employ data science methodologies to ensure loan portfolio data integrity to be utilized in credit loss forecasting and management reporting as well as supporting discovery or solutions for firm data driven initiatives and developments. This position is expected to interpret requests, work with business users as well as the portfolio delivery team to further define requirements, analyze the data requested to ensure proper use and then translate those requirements into queries that will provide the objective data sets.

• Responsible for the monthly production of loan impairment calculations and portfolio analytics

• Master all aspects of processing within Impairment Studio with the help of Moody's internal support team

• Perform in-depth analysis and act as subject matter expert for assigned raw data sets and document data dependencies, sources and outputs that impact the allowance process

• Support Portfolio Managers and /Underwriters with finalizing PD / LGD calibrations integrating Moody's Credit Lens and Commercial Mortgage Metrics platforms in an end-to-end Credit Risk Management process

• Work with Bank's 3rd party consultants and Stifel IT on future aspects of the final/ new implementation packages and the department's data management strategy

• Develop analyses to support management review of the broad loan portfolio incorporating PD/LGD metrics down to the loan/facility level

• Improve the accuracy and consistency of loan risk ratings, and Impairment Studio outputs through automation and documentation of internal processes, providing data integrity and reconciliation accuracy and consistency metrics through periodic reporting

• Documentation of existing processes and models to a required standard as defined by the internal & external auditors and other governance bodies

• Proactively identify and recommend process and practice improvement within the team.

• Maintain strong communication with stakeholders, following up as needed to ensure all requests are being actively addressed and/or status is being communicated.

• Strong technology skills utilizing SQL Server, writing routines in SQL and Scripting languages and MIS Presentation tools. Ability to analyze and model data structures, automate repetitive tasks and processes, develop dashboards and user interfaces and train users in their use.
• Understanding of accounting/financial techniques/tools and attention to detail for Impairment accuracy and integrity though analytics
• Knowledge of Portfolio risk management including credit risk lifecycle and it's impacts on the drivers of impairment
• Ability to deal with complex problems/issues, hypothesis testing via data analysis
• Advanced statistical analysis and experience working with large data sets
• Ability to triage requests and flexibility to focus on more time-sensitive items while maintaining awareness of overall team bandwidth and workload.
• Willing…