Risk Modeling Specialist

6 days ago

Irving, Texas, United States Exeter Finance Full time
Job Description

At Exeter Finance, we are committed to helping customers find the right financing for their next vehicle purchase. By building strong relationships with our customers and network of dealer partners we are able to give options that make sense, getting customers behind the wheel of their car.

Every team member is integral to our success. Whether you're at a servicing center helping customers with their loans, in the field building relationships with dealers, or supporting the company from its corporate offices, you'll enjoy a nurturing, invigorating and positive work environment.

Our vision is to be a premier finance company and lender of choice known for its People, Performance and Service.

Key Responsibilities
  • Develop, document, and provide high-level support of Probability of Default Models.
  • Research and apply enhancements to existing suite of models to improve accuracy.
  • Work closely with business and management to provide value added solutions for the enhancement of risk-return tradeoff.
  • Independently develops and produces analysis related to loan origination, performance and forecasting, to include manipulating and interpreting data, analyzing/identifying trends, and reports findings.
  • Completes ad hoc projects related to the entire function of credit risk, and summarizes results using verbal, written, and formal presentation techniques.
  • Participate in quarterly model review and performance testing.
  • Summarizes analysis and communicates information to various levels of management.
  • Other duties as assigned.
Requirements
  • Bachelor's or Master's degree in an applied quantitative field such as Engineering, Economics, Statistics, or Finance, or equivalent work experience.
  • Two (2) plus years of experience with predictive modeling, including various forecasting techniques such as Logistic Regression, Generalized Linear Models, Decision Trees, Neural Networks, Markov, Multivariate Analysis, and Monte Carlo.
  • Experience in Computational Finance with an understanding of loan origination and operational strategies and how various approaches can impact the various elements of cash flows, ROAs, and IRRs.
  • Experience working with credit data, such as Originations credit policy, Servicing and Collections analytics, and Loss Forecasting / Loan Loss Reserves.
  • Knowledge and experience with advanced statistical concepts and financial analytics in risk modeling.
  • Understanding of GAAP principles related to loss forecasting and stress-testing, particularly Allowance for Loan Losses (ALL), CECL, SOX, Frank-Dodd, CCAR, and Basel.
  • Strong Programming skills in SQL, SAS, and VBA, advanced Excel required.
  • Excellent business judgment and risk assessment skills as demonstrated by previous work or academic experience in an analytic role.
  • Understanding of data sources/warehouses, data mining and data analysis techniques.
  • Quantitative skills, with ability to analyze detailed statistics, and summarize findings.
  • Detail-oriented with ability to manage multiple tasks/deadlines.
  • Effective written and verbal presentation skills.
  • Ability to adapt to rapid change.
  • Proficiency with MS Office products (Excel, Word, PowerPoint, etc.).
Compensation Information

Salary Range: $61,800 - $85,350

Individual compensation packages are based on various factors unique to each candidate including skill set, experience, qualifications, and other job-related reasons.

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