SR. CREDIT RISK ANALYST
DIRECT HIRE - USC/GC ONLY
TAMPA, FL
The Senior Credit Risk Analyst actively participates in the Credit Union's risk monitoring activities to identify and evaluate trends within the loan and investment portfolio that may indicate rising risks. The position is responsible for understanding and evaluating regulatory requirements to determine compliance with these requirements. The role performs ongoing analysis and prepares recommendations which are presented to first line VPs and SVPs enterprise wide, leverages state-of-the-art industry data sciences tools to synthesize and analyze data and works with first line co-workers to develop recommendations and create actionable information. The Senior Credit Risk Analyst will also help develop new enterprise risk reporting utilizing business intelligence.
Responsibilities
- Develop and produce enterprise key performance metrics, key risk metrics, and benchmarks to monitor growth, delinquency, and losses or recoveries
- Report findings ERM management and relevant committees
- Develop analytics and recommend enterprise strategies to identify and manage the credit union's credit risk
- Assess trends impacting credit risk and provide real-time recommendations to mitigate areas of rising risk
- Perform complex analysis and/or modeling to identify patterns of activities or strategies contributing to elevated risk.
- Analyze credit and investment counterparty credit risk to identify trends and recommend appropriate risk mitigation strategies
- Collaborate with senior management to develop systems and strategies for credit risk management, including account monitoring techniques and strategies relating to the credit monitoring process
- Review current credit policies and underwriting guidelines to recommend modifications based on analysis of portfolio trends and impacts
- Build and maintain a reporting structure for measuring all credit risk and counterparty risk including the credit union's loan portfolio, investment portfolio, and loan participation portfolio
- Perform trend analysis based on vintages, risk score bands, product segmentation, delinquencies, losses, recoveries, exposure at default, probability of default, and loss given default for all portfolios and make recommendations to management based on those trends
- Collaborate with credit union partners, vendors, and third parties
- Provide assistance to Credit Risk Analysts
Qualifications
- Bachelor's degree in finance, computer science, risk management or related field (A comparable combination of work experience and training may be substituted for education requirements.)
- 8 or more years of data and credit analysis experience, preferably with a financial institution
- 5 or more years of experience with Structured Query Language (SQL) and SSRS report writing
- 4 or more years of experience using Business Intelligence tools such as PowerBI, Tableau, and Qlik required
- Strong knowledge of credit underwriting, credit and counterparty review, loss mitigation, loan participations and regulatory requirements.
- Experience with Python (Pandas, NumPy, SciPy libraries), VBA, Power BI and shell scripting are highly desired
- Strong knowledge of descriptive and predictive statistical tools
- Strong analytical and problem-solving skills with the ability to interpret large amounts of data
- Ability to work in a highly productive environment and meet expected deadlines
- Ability to maintain a high level of confidentiality
- Able to prioritize tasks, deal effectively with competing and changing priorities, and meet deadlines. Accurate, detail-oriented, and organized. Able to analyze and resolve difficult and sometimes complex problems and situations.
- Strong knowledge and understanding of regulatory compliance necessary to successfully perform job responsibilities.
- Strong verbal and written communication skills and interpersonal skills in order to interact professionally and effectively with members, staff, vendors, and government regulators. Able to influence others regarding policies, practices, and procedures.
- Works independently with limited supervision.
Required Skills
- Analytics
- Data Modeling
- Compliance
- Project Management