Credit Risk Data Analyst

Seacoast Bank; Miami (FL); On-site; USD 90,000 - 130,000; Full time

Job summary

Seacoast Bank in Miami seeks a Credit Risk Data Analyst to lead data-driven decisions in risk management. You will organize and leverage data to measure credit risk, develop analyses, and deliver timely reporting for management, Board, and regulators.

You will collaborate with analytics teams, data originators, and business units to improve data quality, standardize definitions, and drive actionable insights that reduce risk and enhance forecasting and monitoring capabilities.

Qualifications

• MA/MS in Statistics or quantitative field preferred.
• 7+ years of progressive, related experience.
• Strong analytic skills, knowledge of statistical software, and problem-solving ability required.
• Knowledge in credit risk analytics, loan loss reserving process, loss forecasting, probability of default and risk rating development.
• Attention to detail and data accuracy essential.
• Extensive programming skills: SQL, SAS, Python, SAS/Stat, SAS Enterprise Miner, or R/Python.
• Visualization software such as SAS Visual Analytics and Power BI.
• Self-motivated to proactively learn and solve complex business problems.

Responsibilities

• Synthesize credit data to provide analysis and conclusions for management, Board and regulatory reports.
• Provide analytical insights on credit trends and emerging risks in portfolios.
• Collaborate with analytics teams and data originators to ensure consistent data use and reduce redundancies.
• Partner with lines of business to address root causes of data quality issues.
• Use analytical and technical skills to improve data quality and drive insights into business processes.
• Foster cross-functional relationships to ensure insights are actionable.
• Utilize data handling and mining tools to support data quality and analytics applications.
• Standardize credit data definitions and document data trails across processes.

Skills

Analytical thinking

Problem solving

Data analysis

Self-motivated

Attention to detail

Education

MA/MS in Statistics or quantitative field preferred

Tools

SQL

SAS

Python

SAS/Stat

SAS Enterprise Miner

R

SAS Visual Analytics

Power BI

Job description

JOB SUMMARY

The Credit Risk Data Analyst is responsible for being an analytical leader in organizing and leveraging data to drive fact-based decisions and actions. The Credit Risk Data Analyst is responsible for developing and executing a consistent and coherent set of data and analyses for effective credit risk measurement and reporting across the bank. In addition to developing analytical insights, the incumbent must collaborate across the company for implementation, data management, analytical execution, forecasting, and on-going monitoring. The ideal candidate will possess finance, strategic and analytical acumen, and demonstrate the ability to collaborate with and to influence multi-functional team members across the bank.

JOB SUMMARY

The Credit Risk Data Analyst is responsible for being an analytical leader in organizing and leveraging data to drive fact-based decisions and actions. The Credit Risk Data Analyst is responsible for developing and executing a consistent and coherent set of data and analyses for effective credit risk measurement and reporting across the bank. In addition to developing analytical insights, the incumbent must collaborate across the company for implementation, data management, analytical execution, forecasting, and on-going monitoring. The ideal candidate will possess finance, strategic and analytical acumen, and demonstrate the ability to collaborate with and to influence multi-functional team members across the bank.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Synthesize credit data to provide analysis and conclusion for management, Board and Regulatory reports, including standard and ad-hoc requests, as needed.
• Provide analytical insights for executive management and the board of directors on credit trends and emerging risks in portfolios.
• Work with the analytics teams and data originators and users for consistency of use of data assets, as well as to eliminate redundancies and non-sanctioned variations.
• Partner with lines of business to address root causes that create data quality issues.
• Use analytical and technical skills for improving data quality and business insights, as well as influencing business process design.
• Cultivate cross-functional relationships between business units to ensure insights become actionable and drive desirable business outcomes.
• Utilize data handling and mining tools to support proactive data quality program focusing on business intelligence and analytics applications.
• Standardize credit data definitions and classifications and ensuring that a data trail is effectively documented within the processes associated with accessing, retrieving, exchanging, reporting, managing, and storing of data.
• Research data integrity issues when discrepancies are found. Run various reports to self-audit data and/or work with staff in the field to correct data as appropriate to ensure accuracy.
• Lead resolution to external and internal audit inquiries and supporting documentation.
• Proactively identify and evaluate emerging analytics software, technologies, and tools.

EDUCATION and/or EXPERIENCE

• MA/MS in Statistics or Quantitative field preferred.
• 7+ years of progressive, related experience.
• Strong analytic skills, knowledge of statistical software, and problem-solving ability are a must.
• Knowledge in credit risk analytics, loan loss reserving process, loss forecasting, probability of default and risk rating development.
• Provide attention to detail and ensure data accuracy.
• Extensive programming skills with: SQL, SAS, Python, SAS/Stat, SAS Enterprise Miner, and/or R/Python.
• Visualization software such as SAS Visual Analytics and Power BI.
• Self-motivated to proactively learn and solve complex business problems.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.