Credit Risk Analytics Resume Sample
Paula Mitchell
361 Rippin Point,
Houston,
TX
+1 (555) 885 1796
Work Experience
Senior Manager, Credit Risk Analytics
02/2018
-
PRESENT
Houston, TX
- Extracts data, conducts exploratory data analysis, and addresses common data issues like missing and extreme values
- Develops predictive models/scorecards/segmentations that predict customer behavior such as delinquency, write-off, payment rate, revolve rate, profitability, etc
- Oversees outsourced models, including providing data, answering questions and providing feedback
- Provides support for implementation of models, including monitoring when applicable
- Provides recommendations/insights regarding how to use models
- Supports partners by providing forecasting assistance when needed
- Provides analytical enhancement (i.e., uses advanced tools to enhance analyses)
Credit Risk Analytics
05/2013
-
10/2017
Houston, TX
- Perform as Business Lead on new projects and change management
- Manage data governance deliverables such as Critical Data Inventory, Data Quality Rules
- Monitor and analyze the impacts of data quality to various reporting
- Maintain operational procedures to ensure compliance with audit and SOX standards as required
- Provide insights to streamline processes and improve business controls
- Review design to ensure Technology solutions meet business requirements in an accurate, efficient and sustainable operational way
- Participate in testing activities related to system data and functionality
- Manage resolution of issues with Technology and data providers
Business Banking Credit Risk Analytics Internship
08/2010
-
03/2013
Los Angeles, CA
- Responsible for leading a team of professionals to oversee risk management of the Bank’s wholesale credit portfolio, including the identification and ongoing monitoring of current and emerging risks, and escalation to key stakeholders where appropriate
- The analyses and reports maintained by the team are distributed widely throughout the bank to ensure lenders and credit approvers effectively manage credit portfolios in line with the Bank’s risk appetite, and that senior and executive management is apprised in a timely manner of key portfolio risks
- Strong knowledge in designing credit risk strategies in Small business and/or Retail risk
- Experience with statistical software packages such as SAS/Enterprise Miner/Knowledge Studio and programming in SQL or VBA
- Experience with development of strategies utilizing credit risk scores
- Strong skills in strategic influencing and working collaboratively with cross functional business partners in Canada, as well as with external vendors
- Manage IFRS 9, CECL and FWST monthly production process including data availability and validations
- Manage and improve controls and processes associated with the monthly production process including loading and analyzing system data
- Triage and resolve issues affecting the reliability or quality of data
Education
Lawrence University
2006 - 2010
Bachelor's Degree in Economics
Professional Skills
- Develop and implement credit origination strategies, credit limit management and other account management credit strategies, customer relationship management, account profitability, monitoring and tracking of results
- Demonstrated experience using SAS and SQL
- A positive attitude with effective relationship management and problem solving skills
- Strategically influence business partners opinion by effectively communicating our risk appetite, risk tolerance and early warning trends
- Ideally, experience in applying Risk Analytics to at least one of the following industries
- Relevant business experience in financial industry with a good understanding of data with respect to lending related businesses and credit risk systems
- Support model development activities including the Model development, model monitoring, model validation, ad-hoc analysis etc
How to write Credit Risk Analytics Resume
Credit Risk Analytics role is responsible for credit, business, modeling, research, design, reporting, training, finance, retail, software.
To write great resume for credit risk analytics job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Credit Risk Analytics Resume
The section contact information is important in your credit risk analytics resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Credit Risk Analytics Resume
The section work experience is an essential part of your credit risk analytics resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous credit risk analytics responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular credit risk analytics position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Credit Risk Analytics resume experience can include:
- Proven experience in data science or business analytics
- Providing business training support on the credit stress testing and IFRS9 infrastructures
- Responding to business and technology inquiries regarding credit stress and ECL models and functionality
- Provide training and business user support including responses to data.inquiries
- Predictive tools including regression, optimization/decision tree algorithms, SAS, Scoring/Decision Support System, Credit Risk
- Independently resolving issues affecting the reliability or quality of models and the model results on the FWST and IFRS9 systems
Education on a Credit Risk Analytics Resume
Make sure to make education a priority on your credit risk analytics resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your credit risk analytics experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Credit Risk Analytics Resume
When listing skills on your credit risk analytics resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical credit risk analytics skills:
- A team player with good interpersonal skills to collaborate with other credit units / stakeholders in result delivery
- A solid technical grounding in SQL, SAS, Java or other programming languages
- A solid technical grounding in server automation languages like BASH, SH, DOS, PowerShell and CloudFormation
- Have experience working in a commercial software development team
- Organize tasks and determine shifting priorities on projects
- In-depth understanding of effective use of technology platforms
List of Typical Experience For a Credit Risk Analytics Resume
1
Experience For Senior Manager, Credit Risk Analytics Resume
- Hands on programming experience in SAS, SQL, Qlikview or other statistical programs
- Work closely with users, analytics expert and IT to ensure that projects are delivered according to expectation
- Familiar with advanced analytical tools/techniques (e.g. AI, Machine Learning) for large scale analysis of unstructured/ non-traditional big data, etc
- Manage the communications and business support process
- Participate / contribute to the design & establishment of centralized / structural data warehouses for RMG so as to facilitate more efficient analytics initiatives
2
Experience For Manager, Credit Risk Analytics Resume
- Detail-oriented self-starter and a good team player
- Ensure consistency between solutions and the overall data analytics road map
- Research into different data sources to identify analytics opportunities and determine data usability
- Conduct ad hoc data analysis, where appropriate, to dimension credit risks
List of Typical Skills For a Credit Risk Analytics Resume
1
Skills For Senior Manager, Credit Risk Analytics Resume
- Solid understanding of the IFRS9/CECL rules
- Strong management, coaching and leadership capabilities
- Apply statistical analysis in order to design and validate credit risk strategies and customer segmentation techniques
- Experience in Vendor Data such as S&P CreditPro and Moody’s DRD
- Industry experience in financial institutions
- Risk management related work experience in the financial industry
2
Skills For Manager, Credit Risk Analytics Resume
- Extensive experience in large scale system development projects
- Troubleshooting systems to find the root cause of failure
- Support clients using our “Performance Reporting Platform” service in terms of loading data, identifying data issues and understanding what the data represents
- Research, identify and utilize new statistical based methods for assessing, managing and optimizing risk strategies
- Perform stress testing, back testing, sensitivity analysis, and scenario analysis
- Provide acquisition analysis on different marketing programs, including approval rate, deviation approval and decline reason analysis, etc
- Help client’s understand their risk profile through data visualisation using a variety of platforms
- Lead ad-hoc analysis that provide actionable intelligence to improve portfolio understanding and identify opportunities to improve risk/reward trade-off
3
Skills For Modeler, Credit Risk Analytics Resume
- Fast learner and able to work in a fast paced demanding environment
- Support regulatory reporting in accordance with HKMA or other regulatory requirements
- Conduct other ad hoc reporting and analysis as required from time to time
- Document and test various IFRS9 calculations using advanced data manipulations techniques
- Execution of UAT test cases during the development cycles
- Work with senior management in the development of systems and strategies to be employed in credit risk management
- Use cloud technology to design and develop system, processes and software to support insight into risk
- Help build data management platforms in the client’s technology landscape
- Automate and embed analytic scorecards into decision processes
4
Skills For Senior Mgr, Credit Risk Analytics Resume
- Develop re-useable frameworks and train Risk Analytics team members in how to use them
- Identify organisational risks and opportunities for process and system changes to better manage future risk
- Communicate portfolio trends, insights, and opportunities to multiple stakeholders
- Information Access: The job has the authority to access and use confidential data as it relates to the Enterprise’s Strategy, Risk Reporting and actual and plan Risk/Financial information. Information is detailed as well as synthesized for reporting to Senior Management committees and Board (BFC STSC, BFC CMC, RMC, & RRC)
- Create Test & Learn/ Champion-Challenger strategies to support new/pilot policies, in collaboration with business lines
- Monitor small business portfolios against risk tolerance ranges set for the Bank's Small Business portfolios, and work with countries to ensure that those are achieved within the risk-reward framework of the division
- A passion for technology and data
- Forensic response and financial crime
- Risk and controls transformation
5
Skills For SVP, Credit Risk Analytics & Modeling Resume
- Specialist risk services such as Security, Safety, Contracts and Major Projects
- Consumer and Industrial product
- Comprehensive knowledge of Bank’s structure, operations and information systems
- Comprehensive knowledge of a Bank’s products, procedures and processes
- Knowledge of BMO data sources, applications, and system platforms is an asset
- Evaluate and enhance modeling process (requirements, design, delivery and measurement (accuracy rate and ROI) of predicted models, forecasts and other statistical techniques. These outputs can be leveraged in a variety of ways
- Lead the quarterly Allowance for Loan and Lease Losses process and committee meeting including interfacing with the Bank’s Loan Loss Reserve Committee members and making recommendations for quarter end reserve levels
- Design and develop risk management policies to maintain maximum protection of the organization’s assets. Consult with other Credit Risk Managers to determine best practices regarding analytics, risk criteria, and policies/procedures
6
Skills For Senior Credit Risk Analytics Analyst Resume
- Strong analytics background with attention to details to deliver quality results
- Educate analysts on the big picture of the credit card business and Credit Risk’s role in its success
- Perform data analytic assignments leveraging on analysis of both internal customer and credit bureau data to facilitate the formulation of credit strategies and portfolio actions across various business sectors
- Analyze different delinquency portfolio on net flow, payment pattern as well as vintage to identify early warning triggers to mitigate risks
- Perform portfolio management and profitability analysis of various product portfolios
- Knowledge in statistics and proficiency in SAS and other data analytical tools / software
- The position requires application of quantitative and qualitative methods taking into consideration of Business Banking Risk dynamics and provides effective challenges on credit performance, emerging risks and business conformity with Banks credit policy and standards
7
Skills For Director, Credit Risk Analytics Resume
- Domain support for Model Risk, Loss Forecasting, Capital Optimization/Management and ERM framework.,Ad-hoc analytics support including tracking and managing portfolio risk performance in line with Banks credit policy and stated Risk Appetite objectives
- Masters or Ph.D. or Equiv exp w/emphasis in Math, Information Systems, Computer Science, Engineering, Statistics, Data science or rel quant or stat/data analysis or op research or decision mgmt
- Gather and document stress testing infrastructure requirements and the deliverables
- Capital Calculations, BASEL framework
- Creation of both Use Cases and test cases for UAT verification of the FWST and IFRS9 functionality as required
8
Skills For Senior RCA Manager Enterprise Credit Risk Analytics Resume
- Identify opportunities to improve credit risk stress testing and IFRS9 infrastructures in a more efficient and effective manner across the enterprise. Provide timely, insightful, forward-looking, and actionable recommendations to enhance the stress testing infrastructure solution
- Develop and recommend alternatives/enhancements for the credit risk stress testing infrastructure and IFRS9 projects, specifically that improve the efficiency and effectiveness of the SAS tool
- Support continuous improvement of business processes and procedures within the scope of the work team. Support continuous improvement of the broader RC&MD organization and stress test/IFRS9 processes
- Supports ad-hoc data extraction and analysis as requested by the platform stakeholders
- Increase the effectiveness and efficiency of existing operational methods and workflows by identifying and implementing process improvements and automation opportunities
- Expand the knowedge set by understanding a range of practices regarding credit risk stress testing and allowance reserving practices, coverage and usage among peers in the financial services industry
9
Skills For Manager of Credit Risk Analytics Resume
- Identify implementation approaches, tools, and processes for the credit risk stress testing infrastructure and IFRS9 projects
- Support the development of prototypes or pro-forma/ad-hoc reports using the SAS platform based on emerging business needs and applications based on emerging risk analytic needs using new and efficient approaches
- Defining Business requirements for credit risk stress testing and IFRS9 and translating user requests into functional requirements
- Implement different calculations and functionalities using the outputs of different models in SAS
- Identify areas of improvements, automation and streamlining of code and other adhoc tools to improve run times and reduce complexity
- Work with multiple stress test and IFRS9 stakeholder groups to understand regulatory and business needs
10
Skills For Business Banking Credit Risk Analytics Internship Resume
- Advising the Senior Management and the Board on the progress of stress testing framework, stress testing infrastructure and the use of stress testing as a risk and business tool
- Actively drive the development of data analytics roadmap for RMG, balancing the needs from stake holders and the constraints in a practical sense
- Act as project manager to drive analytic projects to deliver analytics solutions – such as IBG early warning alerts project, etc
- It impacts all of Bank’s loan portfolios, over $250 billion as well as risk capital requirements of over $170B in credit risk weighted assets
- Understand credit / business users’ needs and design relevant solutions together with analytics experts and IT
- Explore the adoption of advanced analytic skillsets and technologies so as to enhance the overall analytic sophistication in RMG. Seeking external consultancy supports when necessary
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