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At Union Bank, our people are our greatest asset. We are one of the largest banks in California with a longstanding reputation for professional training and career development. In addition to investing in our employees, Union Bank has established a generous community reinvestment program that works to uplift communities and watch them grow. We invest in a diverse workforce as our employees come from many different backgrounds, bringing with them different experiences and perspectives.
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Reporting to the Methodology Manager, the Credit Scorecard Risk Analyst is responsible for working on various projects to improve risk management, including topics such as Probability of Default (PD) and Loss Given Default (LGD) scorecard improvement, data manipulation and reporting.
50% - Day-to-day will evaluate PD and LGD scorecard models, which requires studying current scorecards, utilizing data processing techniques, employing statistical methodology, as well as, documentation, back-testing and validation. Recommends ways to improve the scorecard models. Assist and direct junior analyst when necessary.
30% - Day to day management and execution of other risk related projects, including ad-hoc data manipulation and analysis, working closely with the other members of the Credit Portfolio Risk Analysis team. Identify potential problems and methods to improve the process.
20% - Enhance the Bank's risk analytics, modeling and reporting with strong analytical abilities and risk methodology.
Typically requires a Master's degree, An analytical degree from a leading university is preferred
PhD degree with 1 or 2 years of work experience or Master's degree with 3+ years of work experiences preferred
3+ years of deep knowledge of SQL and SAS programming
Excellent excel skills
Strong data process skills
Good communication skills
Outstanding analytical abilities and the ability to work efficiently and independently
Strong focus on accuracy and reliability, so as to ensure confidence in results
Prior consulting experience preferred
Strong statistical and mathematical ability preferred
Knowledge of financial programming languages, such as Matlab, VBA preferred
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Why Work for Union Bank?
We are a financially strong and stable bank.
We value workplace diversity.
We are committed to the training and development of our employees.
Innovative vacation benefits.
We offer a matching 401k, a Retirement Plan, a variety of Flexible Health Benefits.
Headquartered in San Francisco, UnionBanCal Corporation is a financial holding company with assets of $88.2 billion at September 30, 2012. Its primary subsidiary, Union Bank, N.A., is a full service commercial bank providing an array of financial services to individuals, small businesses, middle-market companies, and major corporations. The bank operated 402 branches in California, Washington, Oregon, Texas, Illinois, and New York as well as two international offices, on September 30, 2012. UnionBanCal Corporation is a wholly-owned subsidiary of The Bank of Tokyo-Mitsubishi UFJ, Ltd., which is a subsidiary of Mitsubishi UFJ Financial Group, Inc. Union Bank is a proud member of the Mitsubishi UFJ Financial Group (MUFG, NYSE: MTU), one of the world's largest financial organizations. Visit
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Union Bank offers a competitive compensation and benefits package including a 401K plan. Pre-employment background screening is required for all positions.
Union Bank is committed to leveraging the diverse backgrounds, perspectives, and experiences of our workforce to create opportunities for our people and our business. EOE. M/F/D/V
Union Bank is a full-service bank with offices across the United States. We provide a wide spectrum of corporate, commercial, retail banking...