Bank Credit Risk Analyst II - Retail Banking

As a dedicated Credit Risk Analyst II, you will use 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. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX or Plano, TX. Relocation assistance is not available for this position. 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. May assist in delivering Bank credit risk strategies across lines of defense by optimally driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key collaborators and leadership. Develops industry knowledge and driven benchmarking to inform credit strategy development. Applies quantitative analysis based upon internal and external data sources to solve analytical projects. Assists with developing, managing, and communicating comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and raises the quality and direction of credit performance to appropriate levels of management. Performs financial risk sensitivity analysis. Crafts requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies programming and analytical techniques to analyze credit data. May assist in collaborating with key partners to guide & facilitate teams in the development and implementation of key initiatives. Ensures risks associated with business activities are effectively identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures.