Job Description

Job Title: Credit Risk Analyst
Job Location: Michigan


  • Develop, enhance, and maintain credit risk management reporting and tools in order to: identify and analyze concentrations of credit, loan exceptions, loan classifications, delinquency, charge-off and recovery, credit quality, risk adjusted profitability, industry sector/product type/geographic exposures and trends, problem credits of consumer or home loan portfolios
  • Handle a range of simple to complex assignments
  • Prepare dashboard and ad-hoc reporting for senior management and/or regulatory compliance as needed
  • Use thorough understanding of statistical analysis techniques to develop and implement models and analytics which leverage risk-related information to support consumer or real estate lending business strategies and expansion, and satisfy various regulatory requirements
  • Create, enhance, and maintain financial/statistical models for portfolio analytics purposes such as credit limit setting, loss forecasting, allowance for loan and lease losses, loan stress testing, CECL, capital allocation, etc.
  • Prepare thorough documentation that satisfies the company's model analytics standards, audit requirements, and the company's regulators
  • Participate and contribute to periodic reviews of credit risk policies, procedures, and committee governance structures
  • Continually assess and implement automation of reporting and portfolio analytics
  • Implement and maintain functional solutions or applications related to portfolio credit metrics
  • Develop and track forward looking credit risk metrics based on national macroeconomic data as well as internal data
  • Completely other projects and initiatives in support of broader Credit Administration goals

Required Qualifications:

  • Bachelor's degree in Economics, Finance, Statistics, or Accounting
  • Five years of banking or related work experience in Credit, Risk Management, Corporate Treasury or Corporate and/or Line-of-Business Finance
  • Extensive experience with advanced Excel functions, such as Macro and VBA
  • Thorough statistical analysis of underlying data requiring regression and time series analyses, and understanding of risk factors that impact the credit quality of portfolios
  • Strong understanding of quantitative credit risk modeling (e.g., PDs, LGDs, EADs, vintage analysis, migration matrices, etc.)
  • Strong understanding of portfolio credit metrics such as limits, expected and unexpected loss, capital allocation, etc.)
  • Excellent quantitative and financial modeling and analytical skills, including statistical/mathematical programming experience using SAS and/or R
  • Solid oral and very good written communication skills with the ability to explain complex topics to multiple levels higher and lower in the organization and to synthesize quantitative results and qualitative factors into conclusions suitable for executives and regulators

Preferred Qualifications:

  • Master's degree in Economics, Finance, Statistics, or Accounting

QBH#: 2082

Application Instructions

Please click on the link below to apply for this position. A new window will open and direct you to apply at our corporate careers page. We look forward to hearing from you!

Apply Online