Senior Credit Risk Analyst
About The Position
Analyzes credit risk exposure related to loan activities Assists in conducting analysis to mitigate credit risk, create and monitor credit policy, measure credit execution and credit structure Monitors credit performance by various dimensions Utilizes data mining and advanced spreadsheet skills to quantify credit risk related to loan activities Employs best practices of data analysis and validation to ensure data results are accurate Assists in the creation, maintenance and monitoring of origination credit policies, procedures, and lending stipulations Understands how changes to origination credit policy and lending environment can impact loan volume as well as overall credit performance Proactively monitors and reports relevant changes in origination trends to management Conducts ad hoc research projects incorporating project design, data collection and analysis, summarization of findings, and presentation of results Effectively summarizes and communicates origination trends, credit execution, and credit performance to management
Requirements
- Expert with Microsoft Excel, PowerPoint, and Word
- Experience with respect to data analysis and spreadsheet modeling and/or reporting
- Experience with coding (SAS, SQL, R or Python preferred) for data mining and analysis
- Querying skills and knowledge in a data warehouse environment
- Demonstrated quantitative skills
- Acute attention to detail
- Effective written and verbal presentation skills
- Ability to interact collaboratively and proactively with internal customers
- Capable of managing multiple projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines
- Understanding of the metrics utilized in monitoring the loan origination process in a consumer lending portfolio
- Bachelor’s Degree Finance, Economics, Mathematics, Business, MIS, or other quantitative field required
- 4 or more years of experience working with complex Excel workbooks, querying large multi-table datasets, and data presentation; ability to demonstrate proficiency with the following tools: SAS, SQL, R and/or Python, Microsoft Excel, PowerPoint, and Word required.
Nice To Haves
- Master’s Degree Finance, Economics, Mathematics, Business, MIS, or other quantitative field preferred
- Experience in consumer loan originations and analysis is preferred.
Responsibilities
- Analyzes credit risk exposure related to loan activities
- Assists in conducting analysis to mitigate credit risk, create and monitor credit policy, measure credit execution and credit structure
- Monitors credit performance by various dimensions
- Utilizes data mining and advanced spreadsheet skills to quantify credit risk related to loan activities
- Employs best practices of data analysis and validation to ensure data results are accurate
- Assists in the creation, maintenance and monitoring of origination credit policies, procedures, and lending stipulations
- Understands how changes to origination credit policy and lending environment can impact loan volume as well as overall credit performance
- Proactively monitors and reports relevant changes in origination trends to management
- Conducts ad hoc research projects incorporating project design, data collection and analysis, summarization of findings, and presentation of results
- Effectively summarizes and communicates origination trends, credit execution, and credit performance to management
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
