Senior Associate Credit Risk Analyst

Summary of This Role

Analyzes credit data and financial information to determine potential risk and to be able to make informed credit decisions for deals or applications while ensuring adherence to general credit goals and strategy.  Reviews portfolios to ensure quality assurance standards are being maintained while identifying and quantifying risk to mitigate exposure on all deals and clients.  Prepares detailed credit analyses as needed for upper management regarding credit approvals.  Explains decision and terms of approval thoroughly.  Adheres to the financial plan and to the service level agreement productivity and efficiency levels.

What Part Will You Play?

• Analyzes credit and risk information (both consumer and commercial), as directed, to include reviews of multiple financial / business aspects of the customer. Proposes a credit decision for small to slightly complex deals and applications.
• Utilizes credit policy framework, risk models, risk tables and assumptions, business terms and conditions, and relevant financial information to identify and advise potential risk exposure on simple to moderately complex deals.
• Begins to “sell” the credit decision to the prospect, channel partner, sales representative and/or relationship manager after receiving review and feedback on deal terms. Assists more experienced credit analysts in explaining the decision and terms of approval.
• Assists more experienced credit analysts with the preparation of credit analysis (executive approval/credit memos). Presents the explanation of the credit analysis and justification for the recommendations to senior analysts for feedback or further presentation.
• Assists with conducting due diligence on merchant portfolios to be converted and/or to be acquired, identifying high risk accounts for structuring and/or accounts to be excluded from the deal.

What Are We Looking For in This Role?

Minimum Qualifications

• Bachelor's Degree in Finance, Accounting, Statistics or Business; a major which emphasizes mathematical and analytical skills.
• Typically minimum 2 years relevant experience in finance/accounting or similar position required.

Preferred Qualifications

• Credit Analyst experience preferred.

What Are Our Desired Skills and Capabilities?

• Skills / Knowledge - Developing professional expertise, applies company policies and procedures to resolve a variety of issues.
• Job Complexity - Works on problems of moderate scope where analysis of situations or data requires a review of a variety of factors. Exercises judgment within defined procedures and practices to determine appropriate action. Builds productive internal/external working relationships.
• Supervision - Normally receives general instructions on routine work, detailed instructions on new projects or assignments.