Credit Risk Analyst

6 days ago


West Des Moines, Iowa, United States Watercress Financial Group LLC Full time
Job Title: Credit Risk Analyst

We are seeking a skilled Credit Risk Analyst to join our team at Watercress Financial Group LLC. As a key member of our risk management team, you will be responsible for implementing and monitoring lending strategy, loan decision automation, lending performance dashboards, and ad-hoc reporting.

Key Responsibilities:
  • Act as a subject matter expert for credit analysis and credit rules automation by interacting with IT, data, and business intelligence teams.
  • Develop and maintain reporting, automation, and dashboards for the consumer loan portfolio.
  • Support risk forecasting by maintaining loan loss and prepayment models.
  • Support credit policy and underwriting by monitoring and developing strategies and reporting.
  • Support the creation of credit policy and procedures for loan approval, origination, and work out.
Requirements:
  • Expertise with MS Excel.
  • 2+ years' experience in a financial-analysis or data-analysis role.
  • Analytical coding experience using financial, actuarial, economic, or behavioral data.
  • 4-year degree in a Finance, engineering, or analytical STEM degree, or equivalent education.
  • Expertise writing SQL for queries and data extraction.
  • Strong analytical acumen, understanding of distributions, sets, arrays, and identifying and managing data impacts caused by Bayesian or selection bias.
  • Confident working independently, detailed-oriented, and meticulous with data integrity.
Valued Knowledge and Skills:
  • Coding tools: SQL, PC SAS, or R, and rules engine automation.
  • Microsoft Power stack (PowerBI, PowerQuery, PowerPivot, PowerAutomate).
  • Useful domains: API, JSON, Visual Studio, Python, M language, general ledger.
  • Experience with lending data system architecture or online servicing business automation.
Work Examples/Pending Projects:
  • Work with Data and BI to deploy enhanced portfolio delinquency reporting dashboard.
  • Create credit risk waterfall reporting for strategy management.
  • Work with Data to structure an end-to-end data cube for ad-hoc and predictive analytics.
  • Work with IT to develop workflow for managing API automation between three systems.
  • Create risk monitoring dashboards to track model population stability.
  • Develop and deploy custom strategy scorecard solutions, such as predicting household income.


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