Consumer Credit Risk Analyst

2 weeks ago

Philadelphia, Pennsylvania, United States Federal Reserve Bank of Philadelphia Full time

Company Overview:
The Federal Reserve Bank of Philadelphia is a pivotal institution within the Federal Reserve System, comprising 12 regional Reserve Banks and the Board of Governors in Washington, D.C. This organization plays a crucial role in shaping and executing monetary policy, overseeing banking institutions, and delivering financial services to both depository institutions and the federal government. The Bank serves the regions of eastern and central Pennsylvania, southern New Jersey, and Delaware.

Position Summary:
The Financial Monitoring Group (FMG) within the Supervision, Regulation and Credit (SRC) department is seeking a dedicated quantitative analyst to enhance the monitoring of consumer credit risk at major banking institutions across the nation. The ideal candidate will possess a keen interest in consumer credit risk, strong analytical skills to interpret extensive datasets, and the capability to convey insights derived from data.

This role requires effective communication and time management skills, with experience in handling large datasets or utilizing data visualization tools being advantageous.

Key Responsibilities:
- Assist in the qualitative assessment of industry models during the Comprehensive Capital Analysis and Review (CCAR) process.
- Analyze consumer credit trends by monitoring key variables to identify potential risks for bank examiners and other stakeholders.
- Collaborate with senior analysts to produce analytical reports, which includes data collection, analysis, and presentation of findings.
- Engage in departmental or system-wide projects of varying complexity.
- Uphold SRC Core Competency standards relevant to the position.
- Undertake additional duties as assigned and contribute to departmental quality initiatives.
- Adhere to all information security policies and guidelines.

Qualifications:
- A Bachelor's degree in a quantitative field such as economics, finance, or statistics is required.
- A minimum of three years of relevant experience in banking, bank supervision, or finance is essential.
- An advanced degree in a related discipline is preferred and may substitute for some experience.

Skills and Competencies:
- Proficient written and verbal communication skills, capable of discussing complex supervisory matters with various stakeholders.
- Strong analytical and problem-solving abilities, with a focus on identifying root causes of issues.
- Experience in data analysis and familiarity with statistical software (e.g., R, Python, SAS, Tableau) is preferred.
- Intermediate interpersonal skills, demonstrating leadership and teamwork capabilities.
- Effective time management skills, with the ability to navigate complex supervisory challenges independently.

Additional Requirements:
- Candidates must provide work authorization to demonstrate eligibility for employment in the United States. Applicants must be U.S. Citizens, U.S. Nationals, or hold a permanent resident status with the intent to become a U.S. Citizen.

Note:
This description outlines the general nature and level of work expected from employees in this position. It is not an exhaustive list of all responsibilities and qualifications associated with this role. The Federal Reserve Bank of Philadelphia reserves the right to modify job descriptions as necessary.

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