Mid-Level Real Estate Credit Risk Analyst

Jobtailor; Arizona; On-site; USD 90,000 - 150,000; Full time

Job summary

Jobtailor is seeking a senior credit risk strategist to develop and monitor credit strategies for Mortgage and Home Equity portfolios. You will apply quantitative analysis to identify risk, optimize growth within risk appetite, and translate insights into actionable recommendations.

The role requires experience with mortgage lending, regulatory knowledge, and strong communication skills to present findings to senior leadership.

Qualifications

• Bachelor's degree or higher in a relevant field with analytical focus.
• Mortgage banking or real estate lending experience.
• Strong knowledge of banking regulations (FCRA, HMDA, TILA, BSA/AML).
• Experience with data visualization and presenting analyses to leadership.

Responsibilities

• Develop, implement, and monitor credit strategies for Mortgage and Home Equity portfolios.
• Use quantitative analysis to identify credit risk and optimize profitable growth within established risk appetite.
• Monitor portfolio performance trends and evaluate internal and external factors affecting results.
• Identify root causes of changes in key performance metrics.
• Recommend data-driven underwriting and account management strategies.
• Identify portfolio risks and opportunities and translate analyses into credit risk strategies.
• Synthesize analyses and develop recommendations for senior decision makers.
• Deliver Bank credit risk strategies across lines of defense.
• Analyze data and processes and communicate insights to stakeholders and leadership.
• Use industry knowledge and competitive benchmarking to inform credit strategy development.
• Conduct quantitative analysis using internal and external data sources.
• Develop and present risk and financial reporting for senior management and committee oversight.
• Perform complex financial risk sensitivity analysis.
• Create requirements for credit strategy infrastructure and ensure strategies are implemented as intended.
• Apply programming and analytical techniques to analyze credit data.
• Support junior team members in analytics and risk management.
• Collaborate with stakeholders on key initiatives.
• Identify, measure, monitor, and control business risks in accordance with risk and compliance policies.

Skills

Quantitative Analysis

Credit Risk Assessment

Data Analysis with SQL and Python

Portfolio Performance Analysis

Presentation Skills

Education

Bachelor's degree in Business Management, Finance, Economics, Engineering, or Mathematics

Tools

SQL

SAS

Python

R

VS Code

Excel

Job description

• Develop, implement, and monitor credit strategies for Mortgage and Home Equity portfolios
• Use quantitative analysis to identify credit risk and optimize profitable growth within established risk appetite
• Monitor portfolio performance trends and evaluate internal and external factors affecting results
• Identify root causes of changes in key performance metrics
• Recommend data-driven underwriting and account management strategies
• Identify portfolio risks and opportunities and translate analyses into credit risk strategies
• Synthesize analyses and develop recommendations for senior decision makers
• Deliver Bank credit risk strategies across lines of defense
• Analyze data and processes and communicate insights to stakeholders and leadership
• Use industry knowledge and competitive benchmarking to inform credit strategy development
• Conduct quantitative analysis using internal and external data sources
• Develop and present risk and financial reporting for senior management and committee oversight
• Perform complex financial risk sensitivity analysis
• Create requirements for credit strategy infrastructure and ensure strategies are implemented as intended
• Apply programming and analytical techniques to analyze credit data
• Support junior team members in analytics and risk management
• Collaborate with stakeholders on key initiatives
• Identify, measure, monitor, and control business risks in accordance with risk and compliance policies

Requirements

• Bachelor's degree in Business Management, Finance, Economics, Engineering, or Mathematics; OR 4 years of relevant education and/or experience
• Experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in a relevant discipline and 2 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments
• Mortgage banking or real estate lending industry experience
• Understanding of banking regulations, risk and/or compliance
• Strong presentation and communication skills
• Business acumen and attention to detail and accuracy
• Research and investigation skills and good judgement in problem solving
• Knowledge of Microsoft Office, particularly Excel, Word, and PowerPoint
• Knowledge of SQL, SAS, SPSS, Python, R, or Visual Basic for data analysis
• Knowledge of applicable federal laws, rules, regulations, and guidance including FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC credit risk guidance, HMDA/Reg C, TILA/Reg Z, RESPA/Reg X, FDPA, ECOA/Reg B, SCRA, BSA/AML, GLBA/Reg P, and Complaints
• Proven track record analyzing portfolio performance drivers across large consumer lending portfolios
• Experience partnering with Risk, Finance, Modeling, Product, and Operations teams
• Experience supporting Mortgage, Home Equity, or Consumer Lending products
• Experience improving reporting, analytics, and risk monitoring processes
• Experience using Python, SAS, and VS Code
• Strong critical thinking and problem-solving skills
• Excellent communication and presentation skills
• US military experience through military service or a military spouse/domestic partner
• Must not require immigration support or visa sponsorship

Core Competencies

Demonstrates expertise in developing and implementing credit strategies for Mortgage and Home Equity portfolios, utilizing quantitative analysis to optimize growth while managing credit risk. Proficient in data analysis, financial risk assessment, and effective communication of insights to senior management.

Highest-signal resume keywords

• Credit Strategy Development
• Quantitative Analysis
• Mortgage Banking Experience
• Risk and Compliance Knowledge
• Data Analysis with SQL and Python

Hard Skills

• Quantitative Analysis
• Credit Risk Assessment
• Financial Risk Sensitivity Analysis
• Data-Driven Underwriting
• Portfolio Performance Analysis
• Analytical Project Leadership
• Reporting and Analytics Improvement
• Credit Strategy Infrastructure Development
• Statistical Analysis Software (SAS, SPSS)
• Programming (Python, SQL)

Soft Skills

• Strong Communication Skills
• Critical Thinking
• Problem-Solving
• Attention to Detail
• Presentation Skills

Industry Keywords

• Mortgage Banking
• Consumer Lending
• Banking Regulations
• Risk Management
• Compliance Standards
• FCRA
• HMDA
• TILA
• BSA/AML
• OCC Credit Risk Guidance

Tools & Technologies

• Microsoft Office (Excel, Word, PowerPoint)
• VS Code
• Data Analysis Tools