• Responsible for leveraging core banking system data in conjunction with supplemental system of record data and third-party data in development of descriptive and predictive credit analytics.
• Responsible for leading credit reporting functions, including monthly and quarterly credit reporting, implementing operational improvements to existing reports and developing analytic enhancements to the reports including predictive analytics.
• Responsible for programming in R and in Python supporting the development or validation of credit econometric or statistical models, or other models as identified throughout the Bank.
• Responsible for authoring model development, procedural or validation documentation to support the Bank’s credit analytic processes.
• Responsible for maintaining professional, responsive, timely, constructive, and thorough written and verbal communications with co-workers, vendors, and others. Will collaborate with Senior Financial Analyst, Financial Data Analyst and other analytic resources across the Bank.
• Will make presentations to Senior Management as required.

• Excellent technical writing skills, including descriptions of credit modeling and reporting findings. Experience in model development documentation, model validation reports or in other technical model documentation is a plus.
• Knowledge of credit workflows including loan origination, credit scorecards, credit monitoring, ALLL/CECL and stress testing frameworks, as well as the use of statistical and econometric methods in these processes.
• Excellent relational database skills (SQL, IBM Work Query), including full proficiency in developing advanced queries to meet highly specific analytic and business requirements.
• Proficiency in core banking system data (Jack Henry/jhaKnow) and other system of record data (Baker Hill), including business intelligence tools and back-end data query capabilities.
• Mastery of open source predictive analytic tools as used for statistics and econometrics (R and Python strongly preferred).
• Knowledge of credit and model risk regulatory guidelines and standards (SR 11-7, Stress testing guidance, et cetera), as well as implications of these standards for model development and for model validation.
• Ability to learn and use technology to enhance and automate manual steps in the development of spreadsheets and other deliverables; knowledge of Microsoft Excel VBA programming including macro development preferred.
• Ability to collaborate with team members at various levels across the Bank organization, including executives.
• The ability to think critically and creatively about projects, processes, and procedures in an effort to problem solve, improve efficiencies, and streamline processes.
• Ability to manage multiple project efforts under tight deadlines.
• Works well independently.

• Bachelor’s Degree in quantitative or analytic field (such as Computer Science, Data Analytics, Economics, Finance, Mathematics, Operations Research, or Statistics); Master’s Degree/MBA preferred.
• 3+ years of progressive experience in a related role.
• Knowledge of banking technology and systems of record, including reporting as well as related descriptive and predictive analytics.
• Experience working with Bank or Financial Institution-related core and database/other systems (Jack Henry core/jhaKnow, IBM Work Query, SQL).
• Programming experience with open source predictive analytic tools as used in econometric or statistical model development or validation (Python, R).
• Experience with model risk management standards (SR 11-7, Stress testing guidance) and related workflow processes.
• Experience with authoring model development, procedural or validation documentation.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Equal Opportunity/Affirmative Action Employer including Disabled/Vets