Credit Risk Analyst
About The Position
The Risk Analyst initiates and supports Credit Risk Management analysis and decisions using queries, reports, and visual tools. Produces and analyzes ongoing risk management reports and analyses. Performs ad hoc analysis of Credit Risk trends and portfolio performance, as well as forward-looking analysis. Analyzes effectiveness of credit risk models and strategies and provides insights and recommendations to leadership. Participates in projects impacting Credit Risk Management. Identifies and implements process improvements to enhance the efficiency of the Credit Risk Management unit. Collaborates with others to drive Credit Risk Management initiatives. Reports to the Director of Credit Risk & Data Analytics. Work is performed with a high degree of independence. Schedule: Monday - Friday, 8am -4 or 9am -5pm. This position will be a hybrid model both in person and remote with minimum of onsite expectation of 40% or as needed. In this position, you will Assist with first-line monitoring of the credit union loan portfolio. Prepare and analyze reports and analyses, and make recommendations related to loan performance, risk-based pricing, decisioning models, underwriting, and portfolio management. Monitor and trend changes to the loan portfolio and application quality with regard to business process changes and Credit Risk initiatives. Analyze the impact of changes to assess success and effectiveness and evaluate & recommend adjustments with the goal of mitigating risk while promoting growth. Drive the ongoing development of Credit Risk Management Dashboards and Reports to support Credit Risk initiatives and the ongoing analysis of Credit Risk Models, Loan Performance, Application Quality, Risk-Based Pricing, and other Credit Risk strategies and initiatives. Identify opportunities to convert ad-hoc and Represent Credit Risk Management within departmental and organizational projects & initiatives. Support requirements development, analysis, and implementation in relation to Credit Risk. Perform ad-hoc analysis of prospective changes related to Credit Risk and present findings and recommendations to management. Work collaboratively with key stakeholders to ensure changes are approved, documented, and implemented. Other duties as assigned.
Requirements
- BS (Required)
- Any equivalent combination of experience and education.
- Two years’ experience in Consumer Lending or Credit Risk function.
Responsibilities
- Initiates and supports Credit Risk Management analysis and decisions using queries, reports, and visual tools.
- Produces and analyzes ongoing risk management reports and analyses.
- Performs ad hoc analysis of Credit Risk trends and portfolio performance, as well as forward-looking analysis.
- Analyzes effectiveness of credit risk models and strategies and provides insights and recommendations to leadership.
- Participates in projects impacting Credit Risk Management.
- Identifies and implements process improvements to enhance the efficiency of the Credit Risk Management unit.
- Collaborates with others to drive Credit Risk Management initiatives.
- Assist with first-line monitoring of the credit union loan portfolio.
- Prepare and analyze reports and analyses, and make recommendations related to loan performance, risk-based pricing, decisioning models, underwriting, and portfolio management.
- Monitor and trend changes to the loan portfolio and application quality with regard to business process changes and Credit Risk initiatives.
- Analyze the impact of changes to assess success and effectiveness and evaluate & recommend adjustments with the goal of mitigating risk while promoting growth.
- Drive the ongoing development of Credit Risk Management Dashboards and Reports to support Credit Risk initiatives and the ongoing analysis of Credit Risk Models, Loan Performance, Application Quality, Risk-Based Pricing, and other Credit Risk strategies and initiatives.
- Identify opportunities to convert ad-hoc and Represent Credit Risk Management within departmental and organizational projects & initiatives.
- Support requirements development, analysis, and implementation in relation to Credit Risk.
- Perform ad-hoc analysis of prospective changes related to Credit Risk and present findings and recommendations to management.
- Work collaboratively with key stakeholders to ensure changes are approved, documented, and implemented.
- Other duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
