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Senior Portfolio Risk Analyst
Union Bank
San Diego, CA, United States
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Major Responsibilities:
• Conduct assessments of proposed business initiatives, focusing on evaluation of credit risk and expected performance
• Identify, collect and analyze necessary data for effective risk evaluation and profile of risk characteristics and changes over time.
• Collaborate with Product Management, Finance and other business partners in business case development and initiative risk assessment.
• Provide post implementation reporting and analysis of product and policy changes relative to original projections.
• Participate in recurring and ad-hoc risk analysis.
• Utilizing SAS and other data analysis tools, identify, collect and analyze relevant data for comprehensive evaluation of credit risk exposure.
• Develop recommendations for remediation in partnership with other business leaders.
• Present findings and recommendations to senior business leaders. Facilitate meetings and foster collaboration of others to manage implementation of business strategies.
• Identify, collect and analyze both internal and industry data for effective risk evaluation and profile of risk characteristics.
• Provide support for ongoing risk management reporting and assessment of key risk indices.
• Assess vintage performance of lending policies, policy exceptions, business channels, products, customer relationship profiles, account management strategies and geographic segments.
• Support development of new credit risk mitigation strategies in unstructured environment.
• Collaborate with other cross functional team members to develop recommendations.
Qualifications
• Advanced data management skills, utilizing SAS programming language is required.
• Excellent problem solving skills, with ability formulate strategy recommendations in unstructured environment.
• Ability to interact with senior managers within the organization, communicating observations and recommendations.
• Effective project management skills with ability to manage time across concurrent projects.
• Ability to effectively collaborate and partner with other business units to solve business issues.
• 5+ years experience in residential mortgage, home equity or other consumer finance related industry is required.
• Master's degree in mathematics, applied statistics, economics or finance is required.
• Knowledge of advanced statistical concepts (such as: logistic regression, CART/CHAID, etc…) is required.
• Previous model development, loss forecasting experience within a consumer lending environment is strongly preferred.
• Ability to communicate effectively, both verbally and in writing with all levels of bank personnel, including senior management.
• Advanced PC skills in MS Excel, Word, PowerPoint is desired.
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.
We are proud to be an Equal Opportunity / Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives, and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category.
A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.