Essential Responsibilities

• Use data and analytics to develop analytical frameworks and strategies for loan origination strategies, loss forecasting, capital planning and CECL.
• Analyze origination risk factors and recommend improvements in underwriting criteria and loan product pricing to increase loan volumes within the risk appetite.
• Review and monitor credit risk for existing accounts in open-ended lending products such as credit card, HELOCs, etc., and recommend line management strategies.
• Support new data acquisition and guide less experienced analysts and other functional areas on current data intricacies.
• Conduct third-party quarterly mortgage & consumer loan portfolio performance analysis.
• Provide thought leadership and rule recommendations for loan origination system implementation and maintenance.
• Assess the risk-adjusted profitability (NPV) of new originations across the portfolios managed.
• Drive analytical projects of high complexity from inception to completion and provide guidance to less experienced analysts on specific projects.
• Ensure effective communication with management and key stakeholders from other functional areas.
• Complete credit risk analytics, which includes but is not limited to loan origination strategy, economic capital setting, credit loss modeling and mitigation, CECL implementation
• Partner with other areas such as Loss Prevention & Recovery to enable sound collection strategies.
• Collaborate with database administration to streamline two-way communication to ensure data quality.
• Query the data warehouse and other databases to extract, summarize, and save relevant data.
• Drive improvements in test set-up to more accurately assess effectiveness of proposed risk strategies and team up with other departments for project implementation.
• Evaluate, implement, and monitor internally developed or third-party scoring solutions. 
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