Consumer Credit Risk Manager

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GENERAL FUNCTION:

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Manage credit risk for Residential Lending, Direct, Indirect, Credit Card or Small Business. Play a leadership role as a business liaison and team-member with Line of Business decision makers.  Provide leadership in the development of scorecards and loan loss forecasts. Provide sound risk guidance based on quantitative fact and experience. The Consumer Credit Risk Manager will play a crucial role in review and assessment of first line strategies as the second line of defense.

Responsible and accountable for risk management by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

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• Ability to access and query a multitude of databases and create and maintain data sets as appropriate.

• Analyze concentrations, product mix, delinquency and loss trending, product optimization, line utilization, originations, whole loan sale performance, etc.

• Consult and challenge strategies for return on risk and improved predictability.

• Prepare and deliver presentations related to recommendations and strategy results to business partners and management.

• Design, develop and interpret complex business and statistical analyses to support management decision-making as it applies to portfolio risk management and evaluation of marketing programs. Optimize risk/reward trade-off to support new risk initiatives and portfolio risk analytics involving relationships among key business drivers.

• Assist in the development of risk-based pricing models and loan loss models involving statistical techniques utilizing SAS, Python, R.

• Demonstrate expertise in consumer credit risk and play a crucial role in review and assessment of first line strategies as the second line of defense.

• Identify and implement opportunities for greater efficiencies, risk controls, and profitability for the respective portfolios.

• Provide Risk guidance & support for Credit Policy.

• Suppor...

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