Credit Risk Data Analyst

Seacoast National Bank; Town of Florida (NY); On-site; USD 110,000 - 170,000; Full time

Job summary

Seacoast National Bank is seeking a Credit Risk Data Analyst to lead data-driven credit risk measurement and reporting across the bank. You will organize and leverage data, develop consistent analyses, and collaborate to implement improvements in data management and forecasting.

The role requires strong analytical skills, experience with statistical software, and the ability to influence multiple teams to drive accurate insights and timely actions in risk management.

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 are a must.
• Knowledge in credit risk analytics, loan loss reserving process, loss forecasting, probability of default and risk rating development.

Responsibilities

• Synthesize credit data to provide analysis and conclusions for management, Board and regulatory reports.
• Provide analytical insights for executive management and the board on credit trends and emerging risks in portfolios.
• Work with analytics teams and data originators for consistency and to eliminate redundancies.
• Partner with lines of business to address data quality issues and improve data assets.
• Use analytical and technical skills to improve data quality and drive business insights.
• Cultivate cross-functional relationships to ensure insights become actionable.
• Utilize data handling and mining tools to support data quality programs and analytics applications.
• Standardize credit data definitions and ensure a documented data trail across processes.
• Research data integrity issues and self-audit data with staff to ensure accuracy.
• Lead resolution to audits and supporting documentation.
• Proactively identify emerging analytics software, technologies, and tools.

Skills

Analytical skills

Statistical software

Problem-solving

Credit risk analytics

Loss forecasting

Probability of default

Risk rating development

Power BI

Education

MA/MS in Statistics or Quantitative field preferred.

Tools

SQL

SAS

Python

R

SAS/Stat

SAS Enterprise Miner

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, forecast ing , 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.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.