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Mortgage Credit Risk Analyst

2 months ago

Union, United States Fifth Third Full time
Make banking a Fifth Third better®

We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

GENERAL FUNCTION:

Responsible for developing analytics and reporting to assist in the identification and evaluation of all risks related to Consumer Credit (i.e., Direct, Indirect, Credit Card, and Residential Lending). Identify and monitor credit quality trends in the consumer portfolios and contribute to the production of Line of Business Risk Assessments, Targeted Examinations, and Special Assessments. Participate in quantitative model development involving risk, profitability, loss forecasts, loan origination strategies, pricing, and all related documentation across Consumer Lending. Play a role as a business liaison and team-member with Line of Business decision makers. Stay abreast of industry trends and regulatory requirements. Play a crucial role in review and assessment of first line strategies as the second line of defense.

Responsible and accountable for risk management by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:
  • Ability to access and query a multitude of databases and create and maintain data sets as appropriate.
  • Analyze concentrations, product mix, delinquency and loss trending, product optimization, line utilization, originations, whole loan sale performance, etc.
  • Conduct root cause analysis to identify opportunities to predict, prevent and mitigate risk within processes and performance across consumer lines of business and play a crucial role in review and assessment of first line strategies as the second line of defense.
  • Coordinate activities in credit outcomes to track and report trends and behaviors.
  • Consult and challenge strategies for return on risk and improved predictability.
  • Prepare and deliver presentations related to recommendations and strategy results to business partners and management.
  • Run daily/monthly/quarterly production processes in a meticulous fashion within established controls and tight deadlines.
  • Develop reports to understand financial performance by risk and behavioral segments. Develop and document detailed application specifications in a form that it can be used for coding.
  • Extensive understanding of relational databases and ability to effectively utilize statistical software - particularly SAS, Python.
  • Design, develop and interpret complex business and statistical analyses to support management decision-making as it applies to portfolio risk management and evaluation of marketing programs. Optimize risk/reward trade-off to support new risk initiatives and portfolio risk analytics involving relationships among key business drivers.
  • Assist in the development of risk-based pricing models and loan loss models involving statistical techniques utilizing SAS, Python, R.
  • Demonstrate expertise in consumer credit risk and play a crucial role in review and assessment of first line strategies as the second line of defense.
  • Ensure that appropriate reporting of activity is occurring consistent with Bancorp policy as well as pertinent accounting/regulatory guidance.
  • Consult and challenge on development and maintenance of automated decision engines and custom scorecards.
  • Identify and implement opportunities for greater efficiencies, risk controls, and profitability for the respective portfolios.
  • Provide Risk guidance & support for Credit Policy.
  • Provide statistical support for Consumer Underwriting practices and Key Risk Indicators.
SUPERVISORY RESPONSIBILITIES:

None

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
  • Master's degree in relevant field (Business, Finance, Statistics, Economics, etc.). An equivalent combination of education/experience will be considered in lieu of a master's degree.
  • Minimum 5-6 years of Consumer Lending experience.
  • Excellent analytical, verbal, and written communication skills.
  • Detail oriented with strong oral and written communication skills.
  • Demonstrated ability to work on multiple projects within expected timelines.
  • Demonstrated ability to work cohesively within a team.
  • Strong interpersonal skills.
  • Ability to build business cases that influence stakeholders to change outcomes.
  • Demonstrated ability to interpret data and determine next steps.
  • Demonstrated ability to work with significant volumes of data in various formats and databases.
  • Demonstrated ability to learn and understand various applications and business intelligence/database tools.
  • Minimum 5-6 years' experience in reporting systems, database management and analytics.
  • Demonstrated subject matter expertise of relevant rules and regulations.
  • MS Office proficiency.
  • Strong background in one or more statistical software such as SAS, R, Python.
WORKING CONDITIONS:

Potential considerations include:
  • Normal office environment with little exposure to dust, noise, temperature, and the like.
  • Extended time at desk and/or viewing computer screen.

#LI-RD1

Mortgage Credit Risk Analyst

LOCATIONCincinnati, Ohio 45227

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.