Credit Portfolio Intmd Analyst

Conduct risk assessments and client credit analyses with supervision. Contribute to the development of new techniques and improvement of processes and workflows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management. Escalate credit concerns and updates to senior risk and business managers. Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing. Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required. Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management. Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency. Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders. Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty. Acts as SME to senior stakeholders and /or other team members. Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures. Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes. Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization. Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team. Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements. 4-6 years of relevant experience Experience in financial analysis, accounting and valuation Consistently demonstrate clear and concise written and verbal communication Knowledge of credit and banking products, credit analytics, risk assessment, and transaction execution. Familiarity with data interpretation and ability to challenge decisions based on data analysis. Ability to interpret data, make sound decisions, and challenge the basis of the analysis. Proven ability to remain organized in a fast-paced environment, managing multiple projects. Proven interpersonal, organizational and analytic skills. Understands and of various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity, with demonstrated experience in reviewing these factors and challenging any discrepancies. Clear and concise written and verbal communication. Ability to work with little direction and in a team. Problem-solving skills to identify, analyze, and challenge basic problems. Familiarity with risk management software and other relevant technologies. Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment. Bachelor's degree/University degree or equivalent experience Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------