Credit Risk Analyst

Primary Responsibilities

• Actively engage with Bank's lending and investing stakeholders to review and assess potential credit risks associated with lending portfolios, products, processes, and strategies
• Perform ongoing assessment of the credit and financial strength of the commercial and consumer counterparts by performing fundamental credit analysis of counterparties using internal rating methodologies
• Review loans on an individual and aggregate portfolio basis to determine potential risks, adherence to policy and procedures, and accuracy of risk ratings
• Present findings and recommendations to senior leadership and answer questions relating to analysis performed and escalate issues to senior management
• Aid in updating, implementing and maintaining credit risk rating methodologies
• Support senior leadership in partnering with broader business units to assess data availability, data sufficiency, and reporting needs for credit risk assessment
• Perform broader sector analysis in order to assess industry fundamentals and portfolio trends
• Conduct scenario analysis and sensitivity testing to quantify potential losses
• Generate reports with early warning indicators then review, assess and propose rating action recommendation to senior leadership
• Support internal audits and regulatory exams
• Assist with development and enhancement of risk policies and underwriting standards
• Partner with underwriting, finance, and product teams to assess new products and strategies

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Statistics, Engineering or related field
• 2+ years of consumer credit risk management or underwriting experience
• 2+ years of experience with SQL, Python, R, or SAS

Preferred Qualifications

• Credit risk experience in a consumer or healthcare financing, fintech, bank or other financial institution
• Knowledge of credit life cycle (origination, portfolio management, collection), loan loss provisioning, and advanced credit risk analytics
• Background in model validation, governance, or audit support
• Exposure to loan purchase programs, securitization, or warehouse lending
• Advanced proficiency in Microsoft Office PowerPoint (creating and executing presentations), and Excel (Financial Spreading, Pivot Tables, VLOOKUP, Advanced Formulas, Formatting, etc.)
• Proven ability to clearly communicate verbally and in writing
• Proven ability to translate complex risk concepts into clear business insights
• Proven attention to detail and solid problem-solving skills
• Proven excellent interpersonal skills, including the ability to lead and collaborate with multiple teams
• Proven ability to scope and lead a risk assessment or project from start to end and present results to stakeholders and senior leaders
• Proven solid project management / organizational skills and the ability to manage multiple assignments concurrently across various stakeholders