Credit Evaluation: Analyze credit data and automated decisioning strategies to determine the degree of risk involved in extending credit or lending money.
Investigative Analytics: Employ advanced investigative analytics to deeply examine credit data, detect anomalies, and uncover underlying risk factors that may not be immediately apparent.
Financial Analysis: Review and interpret financial statements, credit reports, and other relevant data to develop comprehensive credit analysis reports.
Risk Assessment: Provide risk assessments and recommendations for credit decisions, ensuring alignment with the Credit Union’s risk tolerance and policies.
Report Preparation: Prepare detailed reports summarizing findings, risks, and recommendations for loan approvals, renewals, and modifications.
Compliance: Ensure all credit analyses adhere to regulatory requirements and internal policies.
Data Management: Maintain accurate records of credit analyses and ensure data integrity within the credit management system.
Collaboration: Work closely with underwriters, loan officers, and other departments to support the loan origination and monitoring processes.
Continuous Improvement: Identify and recommend process improvements to enhance efficiency and accuracy in credit analysis operations.
Automated Decisioning Strategy: Collaborate with IT and analytics teams to enhance and implement automated decisioning services, ensuring these strategies align with the Credit Union’s goals and regulatory standards.
OKR Oversight: Responsible for the oversight and tracking of applicable Objectives and Key Results (OKRs) for the lending division to ensure alignment with strategic goals.
Technical Proficiency: Utilize SQL and Python for coding, querying, and data analysis to support credit risk assessment and reporting needs.
Data Visualization: Develop and present data visualizations using Tableau to communicate credit performance and risk insights effectively.
Performance Monitoring: Oversee the performance of credit models, ensuring their accuracy and effectiveness, and provide regular updates and interpretations to senior management.
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