The Senior Credit Risk Analyst is responsible for leading modeling, analysis, and reporting efforts on an auto finance loan portfolio to anticipate, identify, and mitigate credit risk exposure whether related to loan acquisition or portfolio management activities. When focused on loan acquisition, the position involves conducting analysis to mitigate credit risk, set credit policy, and evaluate credit demographics, credit execution and credit structure. When focused on portfolio management, the position involves portfolio forecasting, modeling, analysis, and reporting related to factors that affect portfolio performance such as delinquency, loss frequency, loss severity and bankruptcies. The Senior Credit Risk Analyst is responsible for identifying trends and summarizing this information to a variety of internal clients. This position will interact with many other departments in the interest of achieving the overall company objectives.
- The Sr. Credit Risk Analyst is responsible for assessing credit risk, reporting on credit metrics, conducting data and business analysis, utilizing best practices of data analysis to ensure data results are accurate, summarizing findings, developing recommendations and presenting analyses to management in a clear, concise, convincing, and actionable format. The Sr. Credit Risk Analyst is also responsible for providing direction, training, and guidance to less experienced Credit Risk Analysts and leading projects or special assignments as required.
Reports to: AVP of Credit Risk Management
Direct Reports: None
- Effective written and verbal presentation skills with an ability to communicate well with management; pro-active and detail-oriented; ability to work with minimal supervision displaying leadership in a team environment; an ability to interact collaboratively with internal customers; capable of managing multiple and varied projects, including ability to coordinate and balance numerous tasks in a time-sensitive environment, under pressure, meeting deadlines; and demonstrated quantitative skills and ability to apply complex financial and statistical principles.
- Experience with respect to data analysis, advanced spreadsheet modeling, and forecasting techniques; knowledge of finance, statistics, economics and consumer credit; demonstrated understanding and experience with technical systems, rational datasets, data warehouses, data mining, and data analysis techniques; and advanced skills with SAS, Excel, Word, and PowerPoint.
- Bachelor's degree or equivalent experience; Masters Degree (preferred) in Finance, Economics, Mathematics, Statistics, or similar quantitative field.
- In addition, 5+ years of experience in consumer loan credit risk analysis is required.
Normal office environment.