Description

Summary

Responsible for evaluating and monitoring an assigned portfolio for purposes of credit quality, risk management and/or portfolio analysis. Identifies credit quality issues, potential portfolio risks and/or economic risk. Monitors the portfolio for compliance with corporate and regulatory requirements. Evaluates and reports on the portfolio performance and forecasts future performance trends. Informs management of potential credit and/or economic portfolio risk and recommends strategies to minimize the risk. Maintains all documentation on the assigned portfolio. Works with various bank personnel in developing strategies that support portfolio objectives.

Detailed Description

The Portfolio Risk Specialist will provide consumer Credit Card focused credit risk portfolio analysis, risk assessment, and credit risk reporting for the Credit Administration segment.

The Portfolio Risk Specialist role is an analyst position within the Credit Administration team responsible for providing credit risk reporting & analytics focused on the Consumer Credit Card product. In collaboration with senior Credit Administration roles, you will be responsible for providing in-depth risk assessment and risk reporting to evaluate credit risk strategy. In this role, you will:

• Develop a strong understanding of the portfolio characteristics, demographics, risks, data, and potential threats/opportunities. Maintain professional working relationship with Credit Card line of business partners

• Assist with the preparation of key management reports including the Credit Risk Summary Slides, loss forecast, and ongoing Credit Administration monitoring reporting. In collaboration with senior Credit Administration roles, candidate will build, evaluate, monitor, and mitigate portfolio risk metrics for the consumer Credit Card segment

• Develop ad hoc emerging risk assessments to identify potential credit related risks within the portfolio. With the assistance of senior Credit Administration roles, create engaging presentations for management that analyze portfolio credit risks, opportunities, or future state credit objectives

• Collaborate with the Consumer Credit Card line of business and key partners (Segment Risk, Compliance, Legal, etc.) in support and execution of credit risk strategies

• Drive innovation and improvement of analytical methods and data management procedures

Basic Qualifications:

• Bachelor’s Degree in Finance, Statistics, Business Management, Economics or similar. Masters preferred.

• 3 or more years’ experience in Credit Administration, risk management, statistical analysis, or other risk or analytics related area preferable

Preferred Qualifications:

• Strong reporting skills utilizing Microsoft Excel and pivot tables

• Knowledge of relational database design and fundamentals required including familiarity with SQL

• Understanding of consumer credit card loan structures, lending practices and common credit metrics

• Ability to work closely with all levels of staff to provide reliable data, reports, and analysis products upon which informed decisions can be made

• Excellent written and verbal communication skills

• Must be a critical thinker and able to work independently or within a group

• Ability to work with large databases for extraction and conversion into useful business information and analytical purposes

• Consistently model high levels of professional demeanor and integrity

• Masters' degree

#LI-Hybrid

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Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)

Yes

Workplace Type:

Hybrid

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