Financial Risk Management Specialist

3 weeks ago


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

Credit Risk Analyst

About the Role:

We are seeking a skilled Credit Risk Analyst to join our risk management team at Watercress Financial Group LLC. This is an exciting opportunity to work on our home improvement loan platform, implementing and monitoring lending strategy, loan decision automation, and ad-hoc reporting.

Responsibilities:
  • Lead Credit Analysis: Collaborate with IT, data, and business intelligence teams to develop and maintain credit rules automation.
  • Lending Performance Dashboards: Create and manage reporting, automation, and dashboards for the consumer loan portfolio.
  • Risk Forecasting: Maintain loan loss and prepayment models, supporting credit policy and underwriting by monitoring and developing strategies and reporting.
  • Loan Approval Process: Support the creation of credit policy and procedures for loan approval, origination, and work out.
Requirements:
  • Expertise in 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 Finance, engineering, or analytical STEM degree, or equivalent education
  • SQL Querying Skills
  • Strong Analytical Acumen: Understanding distributions, sets, arrays, and identifying data impacts caused by Bayesian or selection bias
  • Independent Working Style, detail-oriented, meticulous with data integrity
Valued Knowledge and Skills:
  • Coding tools: SQL, PC SAS or R, 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
Salary Estimate:

The estimated salary for this position is around $85,000 - $110,000 per year, based on industry standards and location.



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