Business Banking Credit Risk Analyst, Expert – 2nd Line
Posted 2026-05-05
Remote, USA
Full-time
Immediate Start
- Job Description:
- Perform advanced credit risk data analysis on the small business portfolio to identify areas of risk
- Evaluate the risk of proposed product, process, policy, and model changes
- Provide ongoing monitoring of credit metrics
- Provide oversight of the quarterly ACL process and capital adequacy planning
- Ensure compliance with internal governance processes and external regulatory requirements
- Provide expertise and guidance to first-line partners
- Provide oversight and expertise in the model creation, testing and validation
- Develop and integrate model strategy to support business initiatives and regulatory compliance
- Lead Quantitative Analysts in establishing, monitoring, evaluating and interpreting data with a risk management focus
- Mentor and may supervise the work of junior team members and assist in the development of their analytical acumen, loss forecasting, and presentation skills
- Employ working knowledge of Credit Risk databases to provide data and analytical support to Senior Management
- Perform data manipulation and analysis using SQL, SAS and Microsoft Excel and present results and recommendations to Credit Risk Management
- Track portfolio performance and risk strategy results
- Requirements:
- Bachelor’s degree, OR in lieu of degree, a combined minimum of 11 years higher education and/or work experience to include a minimum of 7 years relevant experience
- Master’s degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 5 years relevant experience or in lieu of degree, a combined minimum of 11 years higher education and/or work experience to include a minimum of 5 years relevant experience.
- Minimum of 7 years relevant experience in Banking or Financial Services experience
- Experience with SAS, SAS Enterprise Miner and other Statistical Software Packages.
- Advanced Knowledge of SQL and Microsoft Office.
- Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions.
- Demonstrated ability to communicate complex concepts.
- Demonstrated ability to manipulate and analyze data across large databases.
- Benefits:
- Medical and retirement benefits
- Forty hours of paid volunteer time each year