Senior Risk and Reporting
$69,956–$87,445 year
On-siteToronto, Ontario, Canada
Job Summary
Conduct advanced portfolio analysis and make recommendations to enhance and implement credit portfolio strategies for key stakeholders, including the Chief Risk Officer. Maintain and improve all Retail and Commercial dashboards for accurate and effective portfolio monitoring while ensuring compliance with internal policies and regulatory requirements. Independently coordinate the collection and review of data from stakeholders to design, compile, and validate key components of the risk management programs and strategies. Proactively identify actual and potential portfolio performance concerns to propose timely resolutions and future mitigators. Perform segmentation and trend analysis across borrower, product, industry, and region to monitor and report on portfolio concentrations and risk appetite breaches. Independently perform retail and commercial loan Stress Testing and Internal Capital Adequacy Assessment Process, conducting scenario analysis to meet changing loan risks. This role supports strategic decision making by analyzing portfolio trends and enhancing data quality, risk models, and reporting frameworks for DUCA's Credit Leadership.
Required Qualifications
- Undergraduate or above degree in Business, Statistics, Economics or Finance
- 2-3+ years' experience in a Reporting or Business Analyst position in a financial institution
- Underwriting / adjudicating experience
- Advanced VBA, Power Query programming skills with working experience in visualization and analytics tools such as Power BI, Tableau, etc.
- Experience querying large, complex, and varied data sources by using SQL or python
- Experience in data sourcing, manipulation, and transformation
- Completion of relevant courses, certificate or education in analysis, data management technology, or statistics
- Highly proficient with Microsoft Excel (formulas, pivot table), PowerPoint, and Word
- Knowledge of Visual Basic for Applications (VBA), fluency with macros and/ or other automation tools
- Solid understanding of risks and exposures relating to retail and commercial lending products
- Strong analytical and problem-solving skills with the ability to translate user requirements into succinct analysis and reports
- Advanced reporting and data analytics skills
- In-depth knowledge of risk management metrics, KRIs
- Strong attention to detail to ensure accuracy of produced results
- Ability to understand 'the big picture' and articulate business consequences of portfolio trends
- Ability to manage multiple projects in a fast-paced environment
- Strong interpersonal skills, collaborates well in a team environment
- Excellent verbal and written communication skills
- Strong critical thinking and problem-solving skills
Desired Qualifications
- Advanced VBA, Power Query programming skills with working experience in visualization and analytics tools such as Power BI, Tableau, etc.
- Experience querying large, complex, and varied data sources by using SQL or python
- Experience in data sourcing, manipulation, and transformation
- Completion of relevant courses, certificate or education in analysis, data management technology, or statistics
- Proficiency in visualization and analytics programs like Power BI, Python, SAS, Tableau is an asset
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