Bank Data Analyst II – CECL & Credit Risk

Stifel Financial Corp.; Northern (KY); On-site; USD 85,000 - 110,000; Full time

Job summary

Stifel Financial Corp. seeks a Bank Data Analyst II – CECL & Credit Risk to join the Credit Risk Data Analytics group. You will automate data extraction from core systems, support impairment calculations and guide data-driven decisions for loan portfolio analytics.

The role requires strong SQL, scripting, PowerBI and dashboard development skills, plus 3+ years in finance or technical roles. Collaboration with risk teams and IT is essential.

Qualifications

• Bachelor's degree required in IT, CS or business administration or equivalent experience.
• Minimum 3+ years of investment, financial or technical experience.

Responsibilities

• Responsible for monthly production of loan impairment calculations and portfolio analytics.
• Master all aspects of processing within Impairment Studio with Moody's internal support.
• Analyze and document data dependencies, sources and outputs affecting the allowance process.
• Support Portfolio Managers and Underwriters with PD/LGD calibrations using Moody's Credit Lens and Commercial Mortgage Metrics.
• Collaborate with 3rd party consultants and IT on future implementation packages and data strategy.
• Develop analyses to support management review of the loan portfolio using PD/LGD metrics.
• Improve accuracy and consistency of loan risk ratings and outputs via automation and documentation.
• Document existing processes and models to required audit standards.

Skills

Scripting languages

Data analysis

Data modeling

Dashboard development

User training

Stakeholder communication

Education

Bachelor's degree in Information Technology, Computer Science or Business Administration or equivalent work experience

Tools

SQL Server

SQL

PowerBI

Excel

Word

PowerPoint

Outlook

Tableau

AWS

Python

R

Job description

Why Stifel

Stifel strives for a culture that puts its clients and associates first: a culture where everyone belongs, everyone is welcome, and everyone contributes to the success of our clients, their careers, and the firm as a whole.

Let’s talk about how you can find your place here at Stifel,where success meets success.

What You'll Be Doing

The Bank Data Analyst II – CECL & Credit Risk will work as a member of Stifel's Analyst team within the Credit Risk Data Analytics group. The Credit Data Analyst II is responsible for automation and servicing of systematic data extraction from the Core systems and integration of data into applications used by the business. The Credit Data Analyst II will also act as a subject matter expert for assigned raw data sets as well as maintain documentation surrounding them. The Credit Data Analyst II will employ data science methodologies to ensure loan portfolio data integrity to be utilized in credit loss forecasting and management reporting as well as supporting discovery or solutions for firm data driven initiatives and developments. This position is expected to interpret requests, work with business users as well as the portfolio delivery team to further define requirements, analyze the data requested to ensure proper use and then translate those requirements into queries that will provide the objective data sets.

What We're Looking For

• Responsible for the monthly production of loan impairment calculations and portfolio analytics

• Master all aspects of processing within Impairment Studio with the help of Moody's internal support team

• Perform in-depth analysis and act as subject matter expert for assigned raw data sets and document data dependencies, sources and outputs that impact the allowance process

• Support Portfolio Managers and /Underwriters with finalizing PD / LGD calibrations integrating Moody's Credit Lens and Commercial Mortgage Metrics platforms in an end-to-end Credit Risk Management process

• Work with Bank's 3rd party consultants and Stifel IT on future aspects of the final/ new implementation packages and the department's data management strategy

• Develop analyses to support management review of the broad loan portfolio incorporating PD/LGD metrics down to the loan/facility level

• Improve the accuracy and consistency of loan risk ratings, and ImpairmentStudio outputs through automation and documentation of internal processes, providing data integrity and reconciliation accuracy and consistency metrics through periodic reporting

• Documentation of existing processes and models to a required standard as defined by the internal & external auditors and other governance bodies

• Proactively identify and recommend process and practice improvement within the team.

• Maintain strong communication with stakeholders, following up as needed to ensure all requests are being actively addressed and/or status is being communicated.

What You’ll Bring

• Strong technology skills utilizing SQL Server, writing routines in SQL and Scripting languages and MIS Presentation tools. Ability to analyze and model data structures, automate repetitive tasks and processes, develop dashboards and user interfaces and train users in their use.
• Understanding of accounting/financial techniques/tools and attention to detail for Impairment accuracy and integrity though analytics
• Knowledge of Portfolio risk management including credit risk lifecycle and it's impacts on the drivers of impairment
• Ability to deal with complex problems/issues, hypothesis testing via data analysis
• Advanced statistical analysis and experience working with large data sets
• Ability to triage requests and flexibility to focus on more time-sensitive items while maintaining awareness of overall team bandwidth and workload.
• Willingness to learn new tools and data analytics techniques

Education & Experience

• Minimum Required: Bachelor's degree in Information Technology, Computer Science or Business Administration or equivalent work experience.
• Minimum Required: 3+ years of investment, financial or technical experience.

Licenses & Credentials

• Minimum Required: None. #LI-JK1

Systems & Technology

• Expert in SQL, Scripting and PowerBI.
• Proficient in Microsoft Excel, Word, PowerPoint, and Outlook.
• Knowledge of Tableau, AWS, Python, and R is preferred.

About Stifel

Stifel is more than 130 years old and still thinking like a start-up. We are a global wealth management and investment banking firm serious about innovation and fresh ideas. Built on a simple premise of safeguarding our clients’ money as if it were our own, coined by our namesake, Herman Stifel, our success is intimately tied to our commitment to helping families, companies, and municipalities find their own success.

While our headquarters is in St. Louis, we have offices in New York, San Francisco, Baltimore, London, Frankfurt, Toronto, and more than 400 other locations. Stifel is home to approximately 9,000 individuals who are currently building their careers as financial advisors, research analysts, project managers, marketing specialists, developers, bankers, operations associates, among hundreds more. Let’s talk about how you can find your place here at Stifel, where success meets success.

At Stifel we offer an entrepreneurial environment, comprehensive benefits package to include health, dental and vision care, 401k, wellness initiatives, life insurance, and paid time off.

Stifel’s bank and trust companies are equal opportunity employers. All candidates will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, veteran status, genetic information or any other protected characteristic under applicable law. If you would like more information regarding Equal Employment Opportunity rights and protections, please review the following information: Know Your Rights.

Stifel is an Equal Opportunity Employer.