Credit Risk Analyst Lead

2 weeks ago


Brampton, Canada Subway Full time

**Purpose of Job**

We facilitate the financial security of millions of Canada/U.S.A. military members and their families. This singular mission requires a dedication to innovative thinking at every level.
We are seeking a talented Bank Credit Risk Analyst Lead to join our team. This person will work in a Hybrid setting and will therefore need to be within a
commutable distance to one of our facilities. Remote Opportunity available for those outside of a commutable distance.

Hybrid schedules available for our Canadian campus or Remote.

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 and drives mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio product

**Job Requirements**
- Identifies and manages existing and emerging risks that stem from business activities and the job role.
- Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.
- Follows written risk and compliance policies, standards, and procedures for business activities.
- Leverages, applies and shares 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.
- Leverages banking product knowledge and critical thinking skills to lead analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
- Leverages industry knowledge and competitive benchmarking to lead, inform, and influence credit strategy development.
- Proactively Identifies the need for and leads development of advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems.
- Responsible for the development, management, and presentation of 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.
- 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.
- May have model ownership responsibilities and drive accountability for quantitative model requirement definition and/or implementation of advanced credit and/or financial modeling infrastructure.

**Minimum Experience Required**:

- Bachelor’s Degree OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
- 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex bank credit risk data to align to team strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 3 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex bank credit risk data to align to team strategy.
- Strong understanding of banking regulations, risk and/or compliance.
- Advanced presentation and communication skills.
- Advanced business acumen and attention to detail and accuracy.
- Advanced research and investigation skills and demonstrated good judgement in problem solving.
- Experience developing and improving a variety of risk related reporting.
- Experience coaching and guiding peers on analytics, and/or risk management.
- Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.

**Preferred Experience**:

- Experience with variable analysis and risk segmentation techniques
- Experience working with transactional level data for Deposit products or Credit products
- Experience in developing quantitative risk rules
- Experience in developing risk strategies for Credit Card Account Management or Account Originations
- Experience at large or complex bank/financial institutions
- Experience with communicating and presenting sophisticated concepts to executive leadership

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**Job Types**: Full-time, Part-time, Casual
Part


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