Retail Credit Systems and Reporting Analyst
About The Position
This is a full-time career opportunity that can be remote. Responsibilities include ensuring system settings, the establishment and testing of credit parameters and criteria, maintaining, updating, and testing products, policy, decision criteria and decision and pricing schemas with a complete understanding of retail credit. In addition, key responsibilities include analyzing application (approval / decline) trends and consumer loan performance by leveraging data analytics to recommend credit policy changes within the portfolio. Develops business reporting, including production, operations and performance reports from the loan origination systems or other data sources / repositories. This role is a key contributor to maintaining data hygiene and data integrity for retail credit. Incumbents will interact directly with outside vendor/partners.
Requirements
- Bachelor's Degree or the equivalent experience. Specialty: computer science, management information systems, or a related field. (Required)
- 3 or more years experience in the financial services sector, preferably with credit reporting and analytics. (Required)
Nice To Haves
- Master's Degree or the equivalent experience. Specialty: computer science, management information systems, or a related field. (Preferred)
- 2 or more years SQL. (Preferred)
- 2 or more years Power BI, Tableau, Excel. (Preferred)
Responsibilities
- Utilizes technology systems in support of the credit process.
- Executes strategic direction for efficiencies and optimization of credit workflow including needed functionality, required data sources, workflow changes critical to achieving risk and origination priorities.
- Maintains and assists with products, scoring criteria and monitoring, auto decision criteria and pricing schemas through the established user interface within the system and analyzes underwriting decision criteria for credit policy based on loan performance trends within a portfolio.
- Develops and produces reporting needed for credit and operational management.
- Performs user acceptance testing (UAT).
- Maintains standard operating procedures for retail credit Loan Origination System, including change logs.
- Acts as the subject matter expert with establishing requirements and testing solutions for credit reporting.
- Identifies process gaps impacting credit and notifies appropriate business units and management to remediate gaps.
- Escalates unresolved issues for further action.
- Communicates with key stakeholders and IT as required.
Benefits
- medical plans with prescription drug coverage
- flexible spending account or health savings account depending on the medical plan chosen
- dental and vision insurance
- life insurance
- 401(k) program with employer match
- Employee Stock Purchase Plan
- paid time off programs including holiday pay and paid volunteer time
- disability insurance coverage
- maternity and parental leave
- adoption assistance
- educational assistance
- robust wellness program with financial incentives
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
