Credit Strategy Analyst III

Bank of Montreal•Virtual, IL

10d•Remote

About The Position

This role focuses on data analytics and reporting within the Data Analytics & Reporting job family group. The Credit Strategy Analyst III will be responsible for creating and delivering comprehensive reporting and monitoring of portfolio credit quality, operations, and performance. This includes designing and executing analyses using programming and statistical software to assess new credit risk trends, and conducting quantitative analysis to support improvements in credit strategy and policy. The analyst will also provide data, reporting, and analysis to support the Indirect business as needed, proactively identify opportunities to improve data and automate analytic processes, and conduct analyses of large datasets using descriptive and predictive techniques to provide insights and recommendations. The role involves understanding and articulating business cases, designing dashboards and analyses, identifying trends and patterns, and collaborating with other data and analytics professionals to scale solutions. Additionally, the analyst will build reporting dashboards, research and apply continuous improvement in data visualization, translate business needs to technical specifications, develop visualizations for large datasets, document data flow and processes, and develop tools and training programs for non-analytical users. The focus is primarily on the business/group within BMO, with a potential for broader enterprise-wide focus. The role provides specialized consulting, analytical, and technical support, requiring independent judgment to solve problems and handle non-routine situations. It also involves taking measured risks and applying the Risk Management Framework.

Requirements

Foundational level of proficiency: Technical design optimization.
Foundational level of proficiency: Decision Making.
Foundational level of proficiency: Systems Thinking.
Intermediate level of proficiency: SQL, PowerBI, Python Data visualization.
Intermediate level of proficiency: Data storytelling.
Intermediate level of proficiency: Data mining.
Intermediate level of proficiency: Illustration.
Intermediate level of proficiency: Creative thinking.
Intermediate level of proficiency: Problem Solving.
Intermediate level of proficiency: Verbal & written communication skills.
Intermediate level of proficiency: Collaboration & team skills.
Intermediate level of proficiency: Analytical and problem solving skills.
Intermediate level of proficiency: Data driven decision making.
Advanced level of proficiency: Insights design.
Advanced level of proficiency: Insights development and reporting.
Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
Deep knowledge and technical proficiency gained through extensive education and business experience.

Responsibilities

Creates and delivers comprehensive reporting and monitoring of the portfolio credit quality, operations and performance
Design and create analysis using programing of data and/or statistical software to assess and understand new credit risk trends
Undertakes quantitative analysis to support improvements to credit strategy and policy
Deliver data, reporting and analysis to support the Indirect business as needed
Proactively identifies opportunities to improve data and automate analytic processes
Conducts analysis of large datasets using descriptive and predictive analytic techniques to provide insights and recommendations
Understands and articulates the business case of business questions and the estimated value being delivered.
Designs dashboards and analyses to be performed, and appropriate visualization and analytics tools to use.
Identifies trends and patterns to address identified business questions and provide insights through reporting and data visualization techniques.
Works with other data and analytics professionals to optimize, refine, automate and scale analysis into repeatable analytics solutions and decision support tools.
Builds various reporting dashboards using the most appropriate data extraction, data cleaning and data visualisation techniques.
Provides value through insights, reporting and data visualization techniques.
Selects, configures and implements analytics solutions for consistency and repeatability.
Researches and applies continuous improvement in data visualization by identifying trends and patterns to transform raw data into actionable business insights.
Works with different teams, management and stakeholders to enhance the usability and aesthetic appeal of data analytics solutions deployed in the organization.
Translates business needs to technical specifications and evaluates existing data visualization systems in order to improve them.
Develops data visualizations of "large" amounts of data that facilitate the intuitive presentation of data to decision makers.
Documents data flow, systems and processes to improve the design, implementation and management of business/group processes.
Develops tools and delivers training programs for use of reporting tools and self-serve analytics by non-analytical end users; may include delivery of training to audiences.
Provides specialized consulting, analytical and technical support.
Exercises judgment to identify, diagnose, and solve problems within given rules.
Works independently and regularly handles non-routine situations.
Broader work or accountabilities may be assigned as needed.
Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.