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Credit Risk Analyst

2 days ago


Des Moines, Iowa, United States WATERCRESS FINANCIAL GROUP LLC Full time

JOB SUMMARY

Our risk management team is looking for a lending Credit Risk Analyst for our home improvement loan platform. This role is responsible for implementing and monitoring lending strategy, loan decision automation, lending performance dashboards and ad-hoc reporting.

RESPONSIBILITIES

  • Act as subject matter expert for credit analysis and credit rules automation by interacting with IT, data and business intelligence teams
  • Develop and maintain reporting, automation and dashboards for the consumer loan portfolio.
  • Support risk forecasting by maintaining loan loss and prepayment models
    • Support credit policy and underwriting by monitoring and developing strategies and reporting
  • Support to create credit policy and procedures for loan approval, origination and work out

QUALIFICATIONS AND REQUIRED SKILLS

  • Expertise with MS Excel
  • 2+ years' experience in a financial-analysis or data-analysis role
  • Analytical coding experience using financial, actuarial, economic or behavioral data
  • 4yr degree in a Finance, engineering or analytical STEM degree, or equivalent education
  • Expertise writing SQL for queries and data extraction
  • Strong analytical acumen, understanding of distributions, sets, arrays and identifying and managing data impacts caused by Bayesian or selection bias
  • Confident working independently, detailed oriented, meticulous with data integrity

VALUED KNOWLEDGE AND SKILLS

  • Coding tools: SQL, PC SAS or R, and 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

WORK EXAMPLES / PENDING PROJECTS

  • Work with Data and BI to deploy enhanced portfolio delinquency reporting dashboard
  • Create credit risk waterfall reporting for strategy management
  • Work with Data to structure an end-to-end data cube for ad-hoc and predictive analytics
  • Work with IT to develop workflow for managing API automation between three systems
  • Create risk monitoring dashboards to track model population stability
  • Develop and deploy custom strategy scorecard solutions, such as predicting household income