Credit Risk Data Analyst

Seacoast Bank; Town of Florida (NY); On-site; USD 90,000 - 130,000; Full time

Job summary

Seacoast Bank is seeking a Credit Risk Data Analyst with strong analytical and programming skills to organize and leverage data for risk measurement and reporting. You will collaborate across the bank to implement data management, analytics execution, forecasting, and ongoing monitoring.

The role requires extensive experience in credit risk analytics, data quality, and the ability to influence multi-functional teams while delivering actionable insights for management and regulators.

Qualifications

• 7+ years of progressive, related experience in credit risk analytics or data analysis.
• Strong analytic skills with knowledge of statistical software and problem solving.
• Extensive programming experience in SQL, SAS, Python and/or R.
• Experience with data governance, data quality, and risk reporting.

Responsibilities

• Synthesize credit data to provide analysis for management and regulatory reports.
• Provide analytical insights on credit trends and emerging risks.
• Collaborate with analytics teams and data originators for data consistency.
• Partner with business lines to address data quality issues and root causes.
• Improve data quality and drive actionable business insights.
• Foster cross-functional relationships to turn insights into outcomes.
• Utilize data tools to support data quality programs and analytics apps.
• Standardize data definitions and document data trails for access and reporting.
• Investigate data integrity issues and coordinate corrections with staff.
• Lead responses to audits and support documentation, and evaluate analytics tech trends.

Skills

SQL

SAS

Python

R

Education

MA/MS in Statistics or Quantitative field preferred

Tools

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.