Credit Risk Analyst at Watercress Financial Group LLC – West Des Moines, Iowa

JOB SUMMARY

Our risk management team is looking for a lending Credit Risk Analyst for our home improvement loan platform. This role is responsible for implementing and monitoring lending strategy, loan decision automation, lending performance dashboards and ad-hoc reporting.

RESPONSIBILITIES

• Act as subject matter expert for credit analysis and credit rules automation by interacting with IT, data and business intelligence teams
• Develop and maintain reporting, automation and dashboards for the consumer loan portfolio.
• Support risk forecasting by maintaining loan loss and prepayment models• Support credit policy and underwriting by monitoring and developing strategies and reporting
• Support to create credit policy and procedures for loan approval, origination and work out

QUALIFICATIONS AND REQUIRED SKILLS

• Expertise with MS Excel
• 2+ years' experience in a financial-analysis or data-analysis role
• Analytical coding experience using financial, actuarial, economic or behavioral data
• 4yr degree in a Finance, engineering or analytical STEM degree, or equivalent education
• Expertise writing SQL for queries and data extraction
• Strong analytical acumen, understanding of distributions, sets, arrays and identifying and managing data impacts caused by Bayesian or selection bias
• Confident working independently, detailed oriented, meticulous with data integrity

VALUED KNOWLEDGE AND SKILLS

• Coding tools: SQL, PC SAS or R, and rules engine automation
• Microsoft Power stack (PowerBI, PowerQuery, PowerPivot, PowerAutomate)
• Useful domains: API, JSON, Visual Studio, Python, M language, general ledger
• Experience with lending data system architecture or online servicing business automation

WORK EXAMPLES / PENDING PROJECTS

• Work with Data and BI to deploy enhanced portfolio delinquency reporting dashboard
• Create credit risk waterfall reporting for strategy management
• Work with Data to structure an end-to-end data cube for ad-hoc and predictive analytics
• Work with IT to develop workflow for managing API automation between three systems
• Create risk monitoring dashboards to track model population stability
• Develop and deploy custom strategy scorecard solutions, such as predicting household income