Credit Risk Analytics Specialist
HybridTampa, Florida, United States or West Palm Beach, Florida, United States
Job Summary
Calculate the Allowance for Credit Losses (ACL) by compiling credit data, running models in Impairment Studio, and reconciling results to the general ledger. Update loss factors including Vintage, LGD, and qualitative elements while coordinating borrower financial information updates. Prepare Credit Risk SEC, US-GAPP, and OCC regulatory reports, ensuring reconciliation with financial reporting and liaison with the Enterprise Data Management Office. Monitor Risk Appetite Metrics and Key Risk Indicators, assist in model validation and documentation, and identify emerging risk trends to recommend actions to senior management.
Required Qualifications
- Bachelor's degree in business administration, finance, economics or related disciplines
- Minimum of three years of banking experience
- Experience in credit risk modeling
- Experience in estimating the Allowance for Credit Losses (ACL)
- Strong quantitative, analytical, and problem-solving skills
- Ability to interpret data
- Ability to identify emerging risk trends
- Ability to translate analysis into clear business insights and actionable recommendations
- Advanced proficiency in Microsoft Excel
- Proficiency in complex formulas
- Proficiency in pivot tables
- Proficiency in data modeling
- Proficiency in Power Query
- Proficiency in Power Pivot
- Proficiency in dashboard development
- Proficiency in VBA programming
- Proficiency in Microsoft PowerPoint
- Proficiency in Microsoft Word
- Ability to prepare professional reports
- Ability to prepare management presentations
- Ability to prepare executive summaries
- Strong financial analysis skills
- Financial modeling skills
- Ability to analyze portfolio performance
- Ability to analyze credit metrics
- Ability to analyze loss trends
- Proficiency in data visualization
- Proficiency in reporting techniques
- Ability to develop dashboards
- Ability to conduct trend analyses
- Ability to develop management reports
- Strong attention to detail
- Ability to identify errors
- Ability to identify inconsistencies
- Ability to identify potential data quality issues
- Excellent written communication skills
- Excellent verbal communication skills
- Excellent presentation communication skills
- Ability to multitask
- Ability to perform effectively under pressure
- Ability to manage tight deadlines
- Ability to manage shifting priorities
- Strong interpersonal skills
- Ability to collaborate effectively across teams
- Knowledge of banking products
- Knowledge of banking services
- Knowledge of banking systems
Desired Qualifications
- Fully bilingual in Spanish and English
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