Sr Risk Analyst - Credit Risk Analytics

?Sr. Credit Risk Analyst is responsible for analyzing credit risk exposure related to loan and lease acquisition activities. The position involves conducting analysis to mitigate credit risk, create and monitor credit policy, measure credit execution and credit structure. In addition, this position will be responsible for monitoring credit performance by region, credit center, and dealership.

JOB DUTIES

• Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan origination activities
• Employ best practices of data analysis and validation to ensure data results are accurate
• Assist in the creation, maintenance and monitoring of origination credit policies, procedures and lending stipulations
• Understand how changes to origination credit policy and lending environment can impact loan/lease volume as well as overall credit performance
• Proactively monitor and report relevant changes in origination trends and portfolio performance to management
• Conduct ad hoc research projects incorporating project design, data collection and analysis, summarization of findings, and presentation of results
• Effectively summarize and communicate origination trends, credit execution, and credit performance to management

Knowledge

• Demonstrated understanding of data warehouses, data mining, reporting, data analysis and data visualization techniques

Skills

• Expert with Microsoft Excel, PowerPoint, and Word
• Experience with respect to data analysis and spreadsheet modeling and/or reporting
• Experience with coding (SAS or SQL preferred) for data mining and manipulation
• 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

Additional Knowledge and Skills

• Understanding of the metrics utilized in monitoring the loan origination process in a consumer lending portfolio

Education

• Bachelor’s Degree ?Finance, Economics, Mathematics, Business, MIS, or other quantitative field required
• Master’s Degree ?Finance, Economics, Mathematics, Business, MIS, or other quantitative field preferred

Experience

• 4+ 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 and/or SQL, Microsoft Excel, PowerPoint, and Word required. Experience in consumer and/or commercial loan originations and analysis is preferred.

Work Conditions

• Subject to stressful situations
• normal office environment
• Strong focus on providing quality service to internal and external customers
• Work a flexible schedule including extended business hours, weekends and holidays
• Limited travel may be required to support business needs
• Must be able to deal with stressful office conditions while troubleshooting problems