Credit Risk Analyst - Data Analytics

Location: Stuart, FL
Date Posted: 07-02-2018
Summary
Participate in the development of an enterprise risk management process by working independently and in teams to develop and prepare quantitative reports and analysis that guide loan portfolio and credit process decision making. The position produce reports for the Board of Directors and for Executive Management plus interact with business units and IT/IS in the development of Portfolio Level Stress Testing, Allowance for Loan and Lease Losses (ALLL), Loss Migration, ASC 310 Impairment analyses and credit risk ratings. 
Essential Duties and Responsibilities
Credit Risk & Reporting Analysts support the development of quantitative models, tools and reports that present credit risk information within the bank. Activities entail data analysis, developing/prototyping and producing reports on a regular cycle (daily/weekly/monthly). Ad hoc analyses of loan portfolio and industry trends will also be requested to aid decision-making. 
  • Responsible for gathering, analyzing and reporting on portfolio loan quality trends, exceptions, concentrations, profitability, and indicators of credit risks. 
  • Establish, operate and continue to develop a portfolio report suite that meaningfully aggregates banks credit exposures and risks. 
  • Support the development of models to predict delinquency, probability of default, losses, problem accounts, collection strategies, and perform actuarial analysis for loss reserves and forecasting. 
  • Support the development of a data infrastructure for credit risk measurement, allowance for loan and lease loss and dual risk rating methodologies. 
  • Analyze and prepare reports on credit metrics relative to tolerance levels, portfolio measures and benchmarking and peer analysis. 
  • Create effective and understandable reports to monitor loan portfolios, and work closely with other areas to coordinate development and distribution of reports, and to eliminate duplication and redundancy
  •  Evaluate credit policy, credit scorecards, system decision rule sets, and manual underwriting for risk tolerance, profitability, and effectiveness/efficiency.
  •  Work as a liaison with lending personnel, operations, accounting and audit, and others by working on special projects, as needed.
Education and/or Experience
A Bachelor’s degree in accounting, computer science, economics, finance, mathematics or statistics is required.  MBA preferred. Candidate must have 3+ years of credit risk analysis experience, preferably in a commercial, consumer or mortgage banking environment.
 Computer Skills                                             
To perform this job successfully, an individual should have strong spreadsheet software and Word Processing software skills.  Microsoft SQL, VBA, SAS, Tableau or other programming language a plus.
 
 
 
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