Consumer Credit Risk Data & Analytics Analyst

Regions Bank•Birmingham, AL

About The Position

At Regions, the Data and Analytics Analyst transforms data into a meaningful format for operational and/or decision-making purposes. Focusing on day-to-day deliverables, this role works with senior analysts and managers to gather and interpret data for leaders to make data-driven decisions. The Business Unit Credit Risk Group supports the Consumer Bank’s strategy by developing strategies and recommendations that enhance profitability, while managing overall portfolio Credit Risk. This involves ensuring compliance with Regions’ Credit Risk frameworks and providing business unit input into those processes. Key responsibilities include: · Preparing the Consumer Bank’s Credit Risk Assessments · Providing business input into the determination of Risk Appetite and Concentration Frameworks, and Credit Policy · Monitoring and identifying both internal and external factors that track emerging risks · Acting as a liaison for Credit Reviews and Audits related to Credit Risk · Coordinating changes in Credit Policy to implement Credit strategies · Assisting with pricing and profitability by providing insights and challenge to expected loss, economic capital, probability of default, and loss given default assumptions

Requirements

Master's degree in Business, Computer Science, Information Systems, Finance, Statistics, or related field and two (2) years of experience in a data analytics or related role
Or, a Bachelor’s degree in Business, Computer Science, Information Systems, Finance, Statistics, or related field and four (4) years of experience in a data analytics or related role
Demonstrated leadership capabilities
Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
Strong verbal, written communication, and organizational skills
Strong work ethic and self-motivation

Nice To Haves

Experience utilizing analytical software such as Structured Query Language (SQL), Statistical Analysis System (SAS), SAS Enterprise Miner, and applicable Microsoft Office applications
Working knowledge of business intelligence software (e.g. Tableau, Power BI)
Retail Consumer Banking operations experience.
Consumer Credit Card, Small Business and Direct Lending experience.

Responsibilities

Modifies reports that are valuable, readable, and presentable to stakeholders
Assists in the preparation of visual reports/presentations to present analysis to management
Interprets, analyzes, and provides insights to teams and managers to determine operational impact, trends, and opportunities
Performs data analysis to help achieve data automation
Creates and maintains databases to help classify & store information
Completes day-to-day deliverables and ad-hoc data reports to support business needs/projects and answer data related questions
Ensures compliance by performing quality data audits, mining, and management
Monitors data and analytics trends and seeks opportunities for continuous improvement
May offer guidance to junior analysts, ensuring proper training and tools are provided
Partners with the centralized Data Governance team to implement and support data governance and data quality requirements