Credit Risk Associate

• Provide an independent and thorough examination of credit decisions, providing credible challenge to credit decisions, policies and strategies

• Collaborate with business partners to drive recommendations for change or corrective action, research outcomes of credit decision reviews and engage in vetting process

• Provide leadership, guidance and subject matter expertise to peers, business partners and CCSE management

• Escalate issues identified within account reviews for proper evaluation and vetting

• May lead quality reviews, which involves obtaining review data, developing test scripts, analyzing review scope, prioritizing work and assigning reviews to peers

• Participate in less complex initiatives and identify opportunity for risk mitigation strategies within Credit Risk

• Lead, develop, and implement strategic initiatives and processes to drive the company credit culture, appetite, and business performance

• Review and analyze reports to assess and predict risk and monitor performance that require research, evaluation, and selection of alternatives, and exercise independent judgment to guide medium risk deliverables

• Receive direction from leaders

• Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements

• Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals

• Participate in less complex initiatives and identify opportunity for risk mitigation strategies within Credit Risk Lead, develop, and implement strategic initiatives and processes to drive the company credit culture, appetite, and business performance

• Review and analyze reports to assess and predict risk and monitor performance that require research, evaluation, and selection of alternatives, and exercise independent judgment to guide medium risk deliverables

• Receive direction from leaders Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements

• Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals

• Interact with internal customers

  
  

Required Qualifications:

• 6+ months of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.

  
  

Desired Qualifications:

• 3+ years of experience in similar role

• Excellent verbal and written communication skills and interpersonal communication skills

• Experience with Consumer Lending new account and portfolio management underwriting credit decisions and policies

• Strong analytical skills, including the ability to complete data investigations with high attention to detail and accuracy.

• Knowledge of new application and servicing underwriting platforms

• Strong understanding of income analysis including self-employment cash flow

• Judgmental quality review experience

• Leadership skills including; coaching, training, and mentoring.

• Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important to drive change.

• 2+ years of Credit Risk experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

• Experience in Credit Risk, or equivalent demonstrated through one or a combination of the following: work experience,