Senior Credit Risk Analyst

• Apr 2023 - Present

Credit Risk Analyst

• Sep 2022 - Present

Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual due diligenceProvide recommendations tied to analysis and assessment of credit riskPresent analysis, findings, and recommendations to managers, especially findings that involve a borrower’s ability to repayKeep up to date with the company’s lending protocolsReconcile credit files and identify discrepancies and variancesDevelop and prepare spreadsheets and models to support analysis of new and existing credit applications Show less

Risk Management Officer

• Mar 2021 - Present

Institute, lead, and deliver credit card fraud mitigation support Make sure alerts are readily available for business channels transactions Preempt fraud detection challenges at the strategy and portfolio level and provide analytical/modeling solutions Utilize customer data to build risk segmentation and mitigation strategies Establish and monitor policies and procedures that will foster the company’s potential to meet its sales and risk management goals. Monitor and assess active accounts to reduce or prevent bad debt losses Communicate current policies and procedures to subordinates and other affected parties Assist in controlling costs associated with operating and collecting credits Actively support efforts to identify credit risk related issues and coordinate issues resolution management Serve as Credit Risk PMO to ensure timely prioritization, execution, and delivery of key projects and initiatives Produce key management reports and respond to ad hoc requests by managing consumer credit risk reporting resources Support Senior Management with consumer risk reporting needs Ensure effective design and oversight of the consumer quality function; identify the scope and prioritize local quality control resources Maintain all Consumer Risk Policies and Procedures Provide support for strategic data initiatives such as ODS roll out, IDI, and DW Maintain and implement the IO Credit Risk Governance process Provide support for pricing and new product process for credit risk inputs (loss assumptions and product risk assessments) Follow-up and maintain tracking on open Audit, LRG, and self-identified credit risk issues to ensure satisfactory closure Manage cross-market as well as central/local credit risk activities. Show less