Credit Risk Data Analyst

2 weeks ago

Boca Raton, United States Seacoast Bank Full time
Job DescriptionJob Description

Location: Flexible within the state of FL

JOB SUMMARY:

The Credit Risk Data Analyst is responsible for being strong analytical leader in organizing and leveraging data to drive fact-based decisions and actions. The Credit Risk Data Analyst is responsible for developing and executing a consistent and coherent set of data and analyses for effective credit risk measurement, management and reporting across the bank. In addition to developing analytical insights, the incumbent must collaborate across the company for implementation, data management, model execution, forecast administration, and on-going monitoring. The ideal candidate will possess extensive finance, strategic and analytical acumen, and demonstrate the ability to lead and influence multi-functional team members across the bank.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Synthesize credit data to provide trend analysis and credit risk conclusion for management, Board and Regulatory reports, including standard and ad-hoc requests, as needed.
  • Provide analytical insights for executive management and the board of directors on credit trends and emerging risks in portfolios.
  • Work with the analytics teams and data originators and users for consistency of use of data assets, as well as to eliminate redundancies and non-sanctioned variations.
  • Partner with lines of business to address root causes that create data quality issues.
  • Use analytical and technical skills for improving data quality and business insights, as well as influencing business process design.
  • Cultivate cross-functional relationships between business units to ensure insights become actionable and drive desirable business outcomes.
  • Utilize data handling and mining tools to support proactive data quality program focusing on business intelligence and analytics applications.
  • Participate in data governance and data steward activities regarding the credit data domain.
  • Standardize credit data definitions and classifications and ensuring that a data trail is effectively documented within the processes associated with accessing, retrieving, exchanging, reporting, managing, and storing of data.
  • Partner with lines of business to address root causes that create data quality issues.
  • Serve as core team member in providing support for multiple departments and divisions within the company through staging data, reporting, and other tasks with accuracy.
  • Research data integrity issues when discrepancies are found. Run various reports to self-audit data and/or work with staff in the field to correct data as appropriate to ensure accuracy.
  • Lead resolution to external and internal audit inquiries and supporting documentation.
  • Proactively identify and evaluate emerging analytics software, technologies, and tools.
  • Adheres to Seacoast Bank’s code of conduct.

EDUCATION and/or EXPERIENCE:

  • Strong analytic skills, knowledge of statistical software, and problem-solving ability are a must.
  • Knowledge in credit risk analytics, loan loss reserving process, loss forecasting, probability of default and risk rating development.
  • Provide attention to detail and ensure data accuracy.
  • 7-10 years of progressive, related experience.
  • MA/MS in Statistics or Quantitative field preferred.
  • Extensive programming skills with: SQL, SAS, Python, SAS/Stat, SAS Enterprise Miner, and/or R/Python.
  • Visualization software such as SAS Visual Analytics and Power BI.
  • Self-motivated to proactively learn and solve complex business problems.
  • Strong ability to explain complex subject matter to a non-technical audience.
  • Strong attention to detail.
  • Excellent communication, interpersonal, organization, and time-management skills.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.

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