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Senior Analyst
TCF Bank
Plymouth, MN, United States
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Description
The Senior Analyst, as part of our 2nd line of Defense, is responsible for aspects related to the Allowance for Loan and Lease Losses (“ALLL”), inclusive of CECL for TCF (“Bank”). This position is accountable for project management, analysis, CECL implementation, related policy and procedures, and governance.
This role is responsible to provide project management and CECL implementation support as well as enhanced analytics for the consolidation of the TCF Loan and Lease portfolio and to develop reports and analysis on the various loan portfolios to be used for processes such as ALLL, concentration analysis, stress testing, portfolio performance, etc. Provide routine and ad-hoc Credit Administration and Enterprise Risk deliverables and analytical insights. Develop macro trending used to enhance executive management decision making, credit review, the ALLL reserving process, and the annual stress testing process.
Major Areas of Accountability (Core)
Allowance for Loan and Leases Losses:
Work in tandem with credit portfolio management and model development, leveraging portfolio analytics for ALLL and ALLL models.
Support CECL implementation for the bank by assisting in implementation and project management support. Drive organizational implementation goals.
Provide support in all aspects of the credit reserve processes, reporting, methodologies, policies & procedures; ensuring proper support for all reserving components (quantitative and qualitative) associated with decisions and processes/procedures.
Advocate / challenge, as warranted, the modeling / methodology approaches to drive evaluative consistency across the lines of business for the benefit of the organization holistically.
Document concisely yet substantively the ALLL decision, process and rationale.
Provide assurance that processes in all areas of responsibility are adequately and effectively controlled to appropriately manage risk, documented sufficiently to support the needs of internal and external stakeholders, and that effective change management is in place.
Process, Data and Technology Improvement:
Identify and execute opportunities for process improvement and standardization across the Bank, emphasizing efficiency and effectiveness.
Drive standard definitions around key data elements and identify and manage projects related to achieving data consistency, availability and quality.
Provide support and assist in driving he identification and implementation of technology solutions to reduce manual processes, enhance controls, improve cycle times, and support consistency where practical across the Bank. This is inclusive of CECL implementation and related solutions.
Partner with Model Development, Credit Portfolio Management and Data Governance teams to enable an efficient data capture and forecasting process on a quarterly basis.
Minimum Qualifications
Education
Required:
Bachelor’s degree in accounting, mathematics, finance, economics or related field.
Preferred:
MBA
CPA
Required Work Experience / Skills
A minimum of 4 years of analytical support and project management Credit/Finance/ALLL
Credit Risk Management work experience inclusive of loss forecasting within a regional, super-regional or large corporate financial institution
Exposure to whole and retail lending platforms
Experience and demonstrated expertise in excel or other data analytics tools
Experience in change management
Critical thinking and demonstrated thought leadership
Strong decision-making skills, especially when dealing with competing interests
Driven and self-directed yet collaborative in approach
Ability to work in a matrixed environment
Proven career track record of progression and success
Strong business and technical acumen and ability