Bank Credit Risk Analyst Senior - Retail Banking

As a dedicated Bank Credit Risk Analyst Senior, you will Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products. Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key stakeholders and leadership. Analyzes internal and external scores/data for use in identifying first party fraud. Applies industry knowledge and competitive benchmarking to inform credit strategy development. Utilizes advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems. Develops, manages, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management. Designs and performs complex financial risk sensitivity analysis. Creates and manages credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies expert programming and analytical techniques to analyze credit data. Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management. Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Utilizes analytically derived insights to develop strategic plans with significant impact to business results. Coaches and mentors other analysts and acts as a thought leader within the analyst community. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.