Senior Risk Analyst – Credit Risk Review

This is a fully remote position, open to applicants in Ohio.

📋 Description

• Design, develop, and sustain independent reporting and analytics that support Credit Risk Review activities.

• Generate risk intelligence, portfolio monitoring, trend analysis, and management reporting regarding credit risk exposures and emerging threats.

• Create dashboards, scorecards, and analytical tools for ongoing monitoring, risk assessments, review planning, and executive reporting.

• Examine data to uncover themes, concentrations, outliers, and trends that necessitate independent review or challenge.

• Formulate risk indicators, monitoring metrics, and analytical methodologies.

• Spearhead automation and process improvement initiatives throughout the Credit Risk Review organization.

• Develop scalable solutions that enhance data quality, reporting accuracy, efficiency, and consistency.

• Enhance data sourcing, integration, governance, and reporting infrastructure in collaboration with stakeholders.

• Assist in independent credit-risk assessments through data analysis and impartial reporting.

• Create portfolio-monitoring frameworks for the early detection of emerging credit risks.

• Provide analyses for review planning, thematic reviews, and ongoing challenge activities.

• Prepare analytical materials for senior management, governance committees, and stakeholders.

• Support risk intelligence, independent reporting, continuous monitoring, and the development of analytical capabilities.

• Collaborate with review teams to convert business and portfolio risks into scalable analytical solutions.

• Keep track of industry trends, regulatory expectations, and emerging analytical techniques pertinent to credit risk review.

• Aid in establishing best practices for reporting, data analytics, and risk intelligence.

⛳️ Requirements

• Bachelor's degree in Finance, Economics, Risk Management, Data Analytics, Information Systems, Statistics, or a related field.

• Over 5 years of experience in Risk Management, Credit Risk, Credit Risk Review, Data Analytics, Business Intelligence, Audit, or similar financial services roles.

• Proven experience in building, enhancing, and automating management reporting dashboards and analytical solutions utilizing large datasets.

• Practical experience in accessing databases and working with relational data structures, schemas, keys, joins, and data models.

• Advanced SQL skills, including writing complex queries, optimization, troubleshooting, extraction, joining, aggregation, and validation of extensive datasets.

• Capability to trace data lineage, document transformations, and map critical data elements and system flows.

• Familiarity with borrower, facility, exposure, collateral, risk-rating, performance, and portfolio data.

• Hands-on experience with ETL or data preparation across various sources.

• Ability to reconcile large datasets, pinpoint data-quality issues, investigate discrepancies, and implement data-quality controls.

• Proficiency in Python or a similar scripting language for automation purposes.

• Skill in translating business and risk requirements into scalable, maintainable technical solutions.

• Experience in enabling AI or GenAI use cases through data preparation, workflow integration, testing, validation, and human oversight.

• Capacity to monitor, support, and troubleshoot production analytical and automation solutions.

• Strong analytical, problem-solving, and critical-thinking abilities.

• Experience in supporting risk management, risk oversight, audit, review, or independent challenge functions.

• Ability to distill complex information into clear, actionable insights for diverse audiences.

• Preferred: experience in Credit Risk Review, Credit Risk Management, Commercial Banking, Leveraged Lending, Commercial Real Estate, Consumer Credit, or other banking risk areas.

• Preferred: direct involvement in supporting second-line risk management or independent review functions within banking.

• Preferred: proficiency with Power BI, Tableau, Alteryx, SAS, Snowflake, or similar platforms.

• Preferred: understanding of credit risk metrics, portfolio monitoring, risk rating systems, concentration analysis, and risk reporting.

• Preferred: awareness of regulatory guidance relevant to Credit Risk Review and independent risk oversight.

• Preferred: experience with risk intelligence, continuous monitoring, and frameworks for identifying emerging risks.

🏝️ Benefits

• Eligibility for incentive compensation, which may encompass production, commission, and/or discretionary incentives.

• Benefits applicable to this position (specific benefits list referenced but not provided).

• Flexible work options in situations where the role can be effectively conducted in a mobile environment.