Credit Risk Analyst at WATERCRESS FINANCIAL GROUP LLC

West Des Moines, Iowa, United States -

Full Time

Start Date

Immediate

Expiry Date

08 Mar, 26

Salary

0.0

Posted On

08 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Credit Rules Automation, Reporting, Automation, Dashboards, Risk Forecasting, Loan Loss Models, Prepayment Models, SQL, Data Extraction, Analytical Coding, Data Integrity, Microsoft Power BI, PC SAS, R, Python

Industry

Financial Services

Description

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

Responsibilities

The Credit Risk Analyst will implement and monitor lending strategies, automate loan decisions, and develop performance dashboards. They will also act as a subject matter expert for credit analysis and collaborate with IT and data teams.