Credit Risk Officer jobs in Alabama

• Program Management:
• Manage workflow and assigned priorities for Consumer and Residential Consumer 2LOD Credit Risk Program.  
• Provide technical guidance and review the work of less experienced colleagues.
• Monitor performance of Consumer and Residential portfolio products, train, coach, counsel and provide general direction and guidance to less experienced colleagues. 
• Maintain committment to knowledge sharing and holistic team development to increase technical expertise and bench strength across GRM credit teams.  
• Database Management:
• Design databases for maintaining borrower/product level information to be used in various modeling and reporting exercises.
• Create algorithms to maintain and update internal behavior modeling dashboard while streamlining processes of mapping rating migration, charge-offs and recoveries.
• Coordinate with 2LOD teams to improve data quality and lineage for Regulatory Modeling purposes (i.e. Finance, reporting, issues management).
• Quantitative Risk Modeling:
• Design Consumner and Residential credit risk behavioral models and reporting.
• Support ongoing transformation work or idiosyncratic analysis of Bank's product offerings.
•  Design and develop tools combining credit, economic capital, stress testing and profitability models to be used in concentration management, portfolio allocation, and strategic planning.
• Assist SVP of Consumer and Residential Risk with design, development and implementation of regulatory compliant data driven 2LOD Credit Risk program
• Execute ad hock analysis and reporting requests to support business decisions and changes in credit policy
• General Risk Management Improvements:
• Keep abreast of industry best practice standards for credit risk measurement and regulatory expectations.
• Assist in benchmarking historical performance, utilization rates, and forecasted behaviors of of consumer and retail products to equivalent macroeconomic trends.  
• Assist in transformation and program development initiatives.
• Support ad-hoc Line of business requests for historical data analysis, risk appetite, and quantitative reporting for consumer and retail portfolios.  

Must-Have*

• Bachelor's Degree or equivalent
• 5 years of experience in a 2LOD risk quantitative position preferred.
• 5 years technical experience obtaining information from disparate sources, including production and ad hoc systems, linking and analyzing the information, performing data integrity checks and exploratory data analysis required
• 5 years of experience with reporting software required, Stata, R, Matlab, SQL and Tableau.

Skills and Knowledge

• Experience managing data analytics for Consumet and Retail portfolios.
• Degree in statistics/finance/economics or other quantitative field
• Experience in statistical/econometric modeling and database management
• Database and reporting experience, SQL, VBA, and Business Objects
• Knowledge of retail lending products (specifically for consumer lending)
• Five years of experience in quantitative analysis, preferably in the financial services industry with an emphasis in the area of risk management 2LOD.
• Strong background and practical experience in 2LOD roles with emphsis and understanding of roles and responsibilities as outlined in 12CFR 30 Appendix D-Heightened standards.
• Experience in macroeconomic forecasting, credit risk forecasting and incorporating macroeconomic variables in credit risk behavioral models and reporting
• Ability to build strong relationships with peers, line of business managers and colleagues across the Bank