Credit Risk Analyst
Texas, United States
Job Description
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*Hiring in the following states only: AL, AR, AZ, GA, LA, NC, NV, TN, TX, VA*
Leads the development, proposal and delivery of credit risk strategies for consumer credit originations and account management to effectively deliver competitive lending products to optimize profitable growth within risk appetite. Supports management of operational and compliance risk inherent in credit strategy. Tracks and monitors credit strategy performance as well as external factors impacting the credit risk exposure for bank portfolio products within the risk taxonomy.
Essential Functions:
Ensures risks associated with consumer business activities are effectively identified, measured, monitored, and controlled.- Applies expert programming and analytical techniques to analyze credit data.
- Applies expert knowledge of the business, its products, and processes to identify opportunities and tailor credit strategies to the needs of the business.
- Directs analyses, root cause identification, and development of clear and concise credit risk recommendations to influence senior decision makers.
- Recognizes and leads the development and implementation of appropriate credit risk strategies.
- Develops detailed analysis, utilizing sophisticated analytical and financial modeling and statistical techniques to predict, evaluate and manage the credit risk within a loan portfolio according to operational risk and compliance standards.
- Assesses lending product/portfolio performance specific to credit loss and financial elements.
Engages with bank leaders to ensure that credit risk policies are aligned with the continually changing credit environment and maintains dialogue with other stakeholders such as Risk and Compliance. - Work with Finance and Accounting to understand financial measures and trends to support product pricing and new product development.
- Generate periodic reports for audit and regulatory compliance and assist with ad hoc requests.
- Expert 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.
- Bachelor\xe2\x80\x99s degree in Business, Finance, Accounting or related field.
- 5+ years\xe2\x80\x99 of working in a banking environment.
- 5+ years of experience driving consumer credit risk strategy
To provide equal opportunity in all employment decisions (such as compensation, benefits, transfers, leaves, returns from leave, company-sponsored training, education, and education reimbursement) for all qualified applicants and team members, without regard to race, color, gender, national origin, religion, age, sexual orientation, gender identity, genetic information, physical or mental disability, pregnancy, marital status, protected veterans or any other status protected by federal, state or local law.- To recruit, hire, train and promote people in all job titles, without regard to race, color, gender, national origin, religion, age, sexual orientation, gender identity, genetic information, physical or mental disability, pregnancy, marital status, protected veterans or any other status protected by federal, state or local law.
- To promote effective use of all team members, minorities, women, and those with disabilities among them, through a positive, continuing affirmative action program at all levels throughout the company.
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Job Detail
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Job IdJD4253029
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IndustryNot mentioned
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Total Positions1
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Job Type:Full Time
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Salary:Not mentioned
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Employment StatusPermanent
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Job LocationTexas, United States
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EducationNot mentioned