Lead Bank Credit Risk Analyst – Retail Banking

Role Overview

• Leverages, applies and shares industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies.
• Leverages banking product knowledge and critical thinking skills to lead analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
• Leads and partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key stakeholders and senior leadership.
• Leads the analysis of internal and external scores/data for use in identifying first party fraud.
• Leverages industry knowledge and competitive benchmarking to lead, inform, and influence credit strategy development.
• Proactively Identifies the need for and leads development of advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems.
• Responsible for the development, management, and presentation of comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.
• Leads the design and execution of complex financial risk sensitivity analysis.
• Leads the creation and management of credit strategy infrastructure and ensures credit strategies are implemented as intended.
• Applies expert programming and analytical techniques to analyze credit data.
• Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
• Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.
• Leads and coaches team to develop analytically derived insights and the lead to strategic plans with significant impact to business results.
• Coaches and mentors other analysts and acts as a thought leader within the analyst community.
• May have model ownership responsibilities and drive accountability for quantitative model requirement definition and/or implementation of advanced credit and/or financial modeling infrastructure.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Requirements

• Bachelor's degree; OR 4 years of relevant education and/or experience
• 8 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex bank credit risk data to align to team strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex bank credit risk data to align to team strategy
• Strong understanding of banking regulations, risk and/or compliance
• Advanced presentation and communication skills
• Advanced business acumen and attention to detail and accuracy
• Advanced research and investigation skills and demonstrated good judgement in problem solving
• Experience influencing cross functional stakeholders to action by communicating complex analytical insights and risk mitigating solutions
• Experience developing and improving a variety of risk related reporting
• Experience coaching and guiding peers on analytics, and/or risk management
• Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint
• Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (e.g., SPS or Visual Basic)
• Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE

Tech Stack

• SQL

Benefits

• comprehensive medical, dental and vision plans
• 401(k)
• pension
• life insurance
• parental benefits
• adoption assistance
• paid time off program with paid holidays plus 16 paid volunteer hours
• various wellness programs
• career path planning and continuing education