Senior Credit Risk Analyst

Senior Credit Risk Analyst

Department:
Risk Management

• 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

• 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

• 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.

• 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