SR CREDIT RISK ANALYSTJob Requisition Number: 354930
Job Title: SR CREDIT RISK ANALYST
Full Time/Part Time: Full Time
Location: 200 W Second St.
Winston Salem, North Carolina 27101-0000
Additional Job Details:
External Description:
Line of Business:CORP. CREDIT RISK
Job Category:Management Primary Purpose: Lead thedevelopment and delivery of risk analytics products and services to LendingGroup Lines of Business. Broaden and deepen the lines of business use of riskanalytics and ensure continuous improvements to provide competitive advantagesand enhanced portfolio quality, growth, and profitability.
Essential Duties and Responsibilities:Following is asummary of the essential functions for this job. Other Duties may be performed,both major and minor, which are not mentioned below. Specific activities maychange from time to time.
* Plan and manage multiple risk analytics projects, including large,"first of its kind" and complex projects.
* Design and manage creation of new analytical processes.
* Oversee and consult on compliance with Model Risk Policy and negotiatecompliance issues with Enterprise Risk Management.
* Build consultative relationships with multiple Lending Group lines ofbusiness, other areas of the bank and externally (such as peer bank analyticsgroups).
* Facilitate the identification of key risks and develop portfolio metrics tomeasure and track credit risk and return on risk, including portfoliodashboards.
* Support the development of portfolio delinquency and loss forecastingmodels, portfolio modeling including migration analysis, vintage analysis andearly warning indicators for the lines of business.
* Identify incremental and breakthrough advances in analytical tools andmethods and lead evaluation and implementation.
* Act as mentor; accelerate development of staff and Team Leaders.
* Coordinate recruiting activities.
Required Skills and Competencies:The requirements listedbelow are representative of the knowledge, skill and/or ability sonable accommodations may be made to enable individuals with disabilities toperform the essential functions.
* Graduate degree in financial mathematics, econometrics or equivalenteducation and related training
* Eight or more years of risk management experience, including experience inmultiple consumer or business lending areas
* Demonstrated ability to manage simultaneously multiple complex projects
* Broad exposure to, and proficiency in, all aspects of risk analyticsincluding predictive and portfolio modeling, parameter estimation and modelvalidation
* Proficient PC skills (Microsoft Office)
* Advanced skills with risk analytics software including SAS Enterprise Guide,Enterprise Miner, Risk Dimensions and Base SAS (programming)
* Comprehensive understanding of multiple lines of business, includingbusiness objectives and strategies, value chains, and lending and riskmanagement processes
* Ability to speak fluent English
* Excellent verbal and written communication skills
* Strong problem solving, negotiating and consulting skills
* Ability to tailor verbal and written communication to audience andobjectives, provide clear, intuitive explanations of complex technical concepts,develop meeting strategies and prepare self and others for meetings
* Demonstrated ability to interact effectively with all levels of LendingGroup management
* Ability to travel, occasionally overnight
Desired Skills:
* PhD in probability and statistics, finance and financial math, econometrics,physics or equivalent
* Proficient relational database design, querying and OLAP skills
* Six sigma process improvement certification
* Expertise in consumer and business lending risk management
* Ability to recruit, motivate, lead and develop staff
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