Credit Risk Quantitative Analyst

4 weeks ago

Stuart, United States Seacoast Bank Full time
JOB SUMMARY:

The Credit Risk Data Scientist or Quantitative Analyst is responsible for developing consistent and coherent sets of models and analytical tools for credit risk measurement, management and reporting across Seacoast Bank. Activities range from model design, development, implementation, and control designs used for understanding credit risk, such as portfolio stress testing and the Current Expected Credit Losses (CECL) accounting used for the Allowance for Credit Loss, and concentration correlation analyses. Partner with the Lines of Business, Accounting and Enterprise Risk functions to ensure that models and analytics address both internal and regulatory requirements.

EDUCATION AND/OR EXPERIENCE

  • 7+ years of relevant experience in developing, documenting, implementing, or validating quantitative models with concentration in financial domain.
  • MA/MS in Statistics or Quantitative field strongly preferred.
  • Knowledge of multivariate statistics, machine learning, and predictive modelling.
  • Strong SAS programming skills, including SAS macro-language and SAS Visual Analytics.
  • Strong SQL programming skills.
  • Knowledge of Moody's Impairment Studio beneficial
  • Strong English communication skills, both written and verbal
  • Prior Banking or Financial Services Experience Preferred
ESSENTIAL DUTIES AND RESPONSIBILTIES:
  • Responsible for developing, executing and preparing of supporting documentation for the quarterly Current Expected Credit Losses (CECL) calculation delivered to management.
  • Perform attribution analyses for model executions, and test for model assumptions and limitations, and assist in the ongoing monitoring of integrated model results.
  • Maintaining the CECL Documentation Library and Catalog to ensure that such documentation is available upon request by management, regulators, and internal and external auditors.
  • Monitoring the CECL calculation and execution workplan and schedule.
  • Assist in preparing quarterly CECL presentations to the Board of Directors.
  • Develop quantitative modeling other than CECL, such as loss forecasting, predictive risk rating models, stress testing, and profitability analysis.
  • Take the lead in developing and implementing predictive models, ad hoc analyses, visual/interactive reporting, segmentation analysis, and process automation. Identify the problem, provide potential solutions, and design the model construct.
  • Provide attention to detail and ensure data accuracy, reconciling and loading data.
  • Present findings and follow-up with business partners and executive management to ensure results understood and actionable.
  • Provide insightful analytical support for bank acquisitions and loan pool purchases.
  • Support external and internal audit and model risk management inquiries and supporting documentation.
  • Provide analytical insights to executive management and the board of directors on credit trends, including root cause analysis and potential solutions.
  • Proactively identify and evaluate emerging analytics software, technologies, and tools.
  • 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.
  • Ability to work in a fast-paced environment, manage competing priorities and to collaborate across the organization is essential.


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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