Senior Risk Analyst

12 hours ago

Grand Rapids, Minnesota, United States Mitsubishi HC Capital America, Inc. Full time
Job Summary:

Mitsubishi HC Capital America, Inc. is seeking a highly skilled Senior Risk Analyst to join our Credit Planning team. As a key member of our Risk Management/Strategy team, you will be responsible for executing various functions, including pricing/yields, scoring and model development, credit analytics, portfolio strategy, enterprise/operational risk, concentration limits and risk appetite, loss forecasting and mitigation.

Key Responsibilities:

Execute the Risk Management/Strategy team functions, including pricing/yields, scoring and model development, credit analytics, portfolio strategy, enterprise/operational risk, concentration limits and risk appetite, loss forecasting and mitigation.
Perform credit/risk-based analytics and make recommendations on how to mitigate risk and increase profitability; analytics including underwriting decisioning, overall portfolio performance, vintage performance, collections performance, etc.
Build out the strike zone/buy box for credit originations via data analysis, including evaluating non-score criteria, equipment/collateral, structuring and down payment requirements and setting appropriate customer exposure thresholds. In addition to these analyses, provide guidance on model usage to our internal underwriting teams.
Complete model evaluation analytics, including review of third-party models, and/or involvement of customized score builds. Track and analyze model coverage, performance, and changes over time.
Lead discussions/project plans for third-party analyses and model development.
Propose improvements to automated credit decision models; these improvements should include increasing the volume of applications automatically reviewed, while continuing to mitigate any risk to the company.
Develop risk-based pricing analytics, including calculating the appropriate coverage for risk/loss within our rates, working with our Finance teams to understand expense requirements, and communicate with our Sales teams to understand the challenges in the market.
Review company credit/risk policy documentation and understand the related reporting requirements to confirm we are acting within policy rules.
Consistently collaborate with all business leaders to gain expertise in our business cycle and executive-set goals. Lead discussions regarding underwriting guidelines, credit/risk data analysis, Sales initiatives, and operational risk protocol.

Requirements:

Bachelor's degree, in a preferred area of study - Mathematics, Finance, Economics, Information Management or Statistics.
Specific risk management experience preferred (5+ years preferred).
Technological proficiencies, with prior experience in Power BI, Python, R, SAS, etc.
Analytical proficiencies, with prior experience in data manipulation, data collection, analyzing data to identify trends, communicating results of data analysis, etc.
Prior experience in credit/risk concepts such as: Credit bureau data, loss forecasting, credit risk analytics, financial institution verbiage and lending concepts, statistical models, etc.
Willingness to work in a fast-paced environment, with priorities being re-evaluated regularly based on needs of Risk Management/Strategy, Sales, Underwriting, and Executive teams.
Advanced To Expert Microsoft Office skills (Excel, PowerPoint, Word).

Competencies:

Able to set and maintain objectives, goals and deliverables for self and group.
Strong project management skills. Ability to focus, stay in scope and lead a group to a successful outcome.
Prior experience turning data into metrics and actionable analytics.
Excellent verbal and written communication skills and the ability to interact and engage with a diverse audience (executives, managers, and subject matter experts).
Technical understanding of database data models, data mining and data segmentation techniques.
Advanced skills in Microsoft Excel, Vision, and PowerPoint. Ability to build dashboards within SalesForce and PowerBI, experienced with data-manipulation tools such as Power BI, Python, R, SAS, etc.
Strong analytical and statistical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information, including time series analysis, with attention to detail and accuracy.
Ability to work independently, pursuing new business development and opportunities, reviewing, and collaborating with senior leadership.
Outstanding problem-solving skills with the ability to quickly identify issues and find workable solutions.
Able to manage multiple projects/processes under tight concurrent deadlines.

Additional Information:

Salary will be between $89,000 and $113,000 with an opportunity to a discretionary bonus.
Additional benefits include medical, dental, and vision plans, 401(k) and matching, paid time off, company-paid life insurance, employee assistance program, training and development opportunities, and employee discounts.

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