Senior Risk Management Analyst

2 weeks ago


South Jordan, Utah, United States The Ladders Full time
Position Overview:

The Senior Risk Management Analyst plays a crucial role in our commitment to enhance customer satisfaction and empower underserved communities in achieving their credit aspirations. Our organization values its employees, ensuring they feel recognized, valued, and aware of their significant contributions. For over two decades, our core principles—integrity, customer-centricity, and a culture of enjoyment in our work—have established us as a preferred employer.

Key Responsibilities:
  • Oversee the creation of internal datasets essential for vendor CECL loss forecasting models, which includes gathering, organizing, and refining data from various sources.
  • Deliver insights to management regarding model performance, highlighting both the advantages and limitations of quantitative methodologies. Provide recommendations to senior leadership regarding CECL-based reserve allocations and identify suitable qualitative adjustment factors.
  • Maintain comprehensive documentation for vendor model calibration processes. Implement and uphold controls related to CECL reserve generation, and prepare detailed responses to inquiries from reviewers and regulatory bodies, including necessary quantitative analyses.
  • Supply executive management with detailed analyses and justifications for monthly CECL loss forecasts segmented by various categories.
Qualifications:
  • A Bachelor's degree in Mathematics, Quantitative Analysis, Statistics, Business Finance, Economics, or a related quantitative field is mandatory.
  • A minimum of five years of demonstrated experience in credit analysis utilizing SAS, Python, or comparable analytical tools is required. Experience in managing credit card or consumer credit portfolios is advantageous.
Preferred Skills:
  • Proven experience in fraud investigations and credit risk management.
  • Familiarity with credit bureau data and systems.
  • Background in banking or lending is preferred.
  • Experience with compliance and internal audits.
  • Expertise in analyzing loan portfolio delinquency and charge-off trends, particularly within a CECL framework.
  • Exceptional problem-solving, communication, and presentation skills, with the ability to work autonomously.
  • Strong knowledge of Microsoft Windows desktop and server operating systems.
  • Demonstrated success as an effective troubleshooter.
  • Ability to manage multiple priorities and meet deadlines efficiently.
  • Excellent organizational capabilities.
  • Exhibit professionalism, courtesy, and a positive attitude towards colleagues and internal customers.
  • Strong communication skills to assimilate and convey information effectively.
  • Ability to handle multiple tasks concurrently is essential.

Compensation and Benefits:

We provide a comprehensive rewards package that includes a competitive salary, performance-based incentive programs, and a robust benefits suite. Salary offers are based on job-related expertise, relevant experience, skills, certifications, and geographic considerations. Our benefits encompass medical, dental, vision, life insurance, a 401(k) plan with company matching, paid time off, and additional programs tailored to meet employee needs.

We are committed to equal employment opportunities and evaluate qualified candidates without discrimination based on race, color, religion, sex, national origin, disability, veteran status, or any other legally protected characteristic. A thorough background check will be conducted for all hires in compliance with applicable laws.

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