Risk Analyst II

United Fidelity Bank

4d

About The Position

The Servicing Risk Analyst reports to the Senior Manager, Business Risk Analytics and requires a deep understanding of consumer finance with auto preferred in the servicing portfolio arena. As a Risk Analyst II, you will work closely with individual business units to gather, analyze, and evaluate processes, procedures, strategies and KPIs, with a focus on Servicing (Collections and Loss Recoveries). You will document requirements, define scope and objectives, and formulate solutions for implementation. Special projects and other duties would also be assigned on an as needed basis. You will also be responsible for reporting duties, including daily and monthly reporting management and other regular duties. This role involves a high volume of as needed analysis to address the needs of each department with a strong focus in servicing as well as upper management.

Requirements

• Advanced analytical and data-review skills with the ability to identify inconsistencies or anomalies in application details or documentation.
• Strong understanding of auto finance or other receivables financing(Mortgage, Credit Cards) processes.
• Ability to examine large amounts of unstructured data and develop business insights
• Strong attention to detail, organization, and written documentation skills.
• Clear communication skills with the ability to provide concise summaries or ask clarifying questions.
• Ability to work well within a team and collaborate across business units when gathering information.
• Strong proficiency with Microsoft 365 (Excel, Word, PowerPoint, Teams).
• Ability to follow procedures, exercise sound judgment, and know when to escalate concerns.
• Comfortable working in a fast-paced environment with multiple competing priorities.
• Interest in developing stronger analytical, risk assessment, and fraud-detection capabilities.
• Finance, Economics, CS, IT, Accounting, Business Bachelor’s Degree from accredited 4-year institution
• 3 – 5 years previous experience in a similar role
• Intermediate knowledge of finance, statistics, accounting and/or consumer credit
• Excellent analytical, quantitative and computer skills
• Good written and verbal presentation skills and ability to communicate well with superiors
• Detail-oriented and able to manage multiple tasks/deadlines
• Able to work with minimal supervision
• Flexible, proactive working style

Nice To Haves

• Consumer loan portfolio risk management experience preferred
• Understanding of modeling techniques
• Proficiency in software applications such as SQL, Excel, Word, PowerPoint
• Experience in financial analysis, data mining and statistics
• Knowledge of complex risk management methods and technique
• Demonstrated ability to apply complex financial and statistical principles

Responsibilities

• Work with Risk and Servicing Leadership to develop data driving collections strategies that encompass the portfolio behavioral scorecard
• Support Servicing Leaders with development of KPI management and incentive plans
• Support Contact Administration team as needed
• Gain understanding of ANF business specific policies and procedures
• Determine operational objectives by studying business functions; gathering information; evaluating output requirements and formats
• Support development of analyses and reporting related to losses, delinquencies, balance liquidations, interest income, fee income, and new originations
• Conduct insightful, ad hoc analyses to investigate ongoing or one-time operational issues
• Support projects, data collection and analysis, with summarization of findings and clear communication with superiors
• Recommend controls by identifying problems and writing improved procedures
• Contribute to team effort by accomplishing related results as needed
• Support other needs of the Risk department
• Ability to maintain confidentiality
• Ability to make discretionary decisions

Benefits

• Competitive compensation and 401k matching
• Enjoy a healthy work-life balance with insurance plans (health, dental, vision) and maternity benefits.
• Associate purchase and discount programs for new and pre-owned vehicles, services, parts, collision, accessories, and AutoGear
• Access amazing deals and discounts through YouDecide, a website with offers from top providers and retailers
• Join our DRVPNK mission to raise and donate millions of dollars to cancer research and treatment, partnering with cancer charities nationwide

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 101-250 employees