Credit Risk Analyst bei Watercress Financial Group LLC
Watercress Financial Group LLC · West Des Moines, Vereinigte Staaten Von Amerika · Onsite
- Professional
- Optionales Büro in West Des Moines
Description
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