Credit Risk Data Analyst - CRA

Credit Risk Data Analyst - CRA

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GENERAL FUNCTION : Responsible for developing analytics to assist in the identification and evaluation of all risks related to Residential Lending Consumer Credit. Identify and monitor credit quality trends in the consumer portfolios and contribute to the production of Line of Business Risk Assessments, Targeted Examinations, and Special Assessments. Stay abreast of industry trends and regulatory requirements (i.e., FFIEC, FRB). Play a crucial role in review and assessment of first line strategies as the second line of defense. Responsible and accountable for risk management by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES :

• Ability to access and query a multitude of databases and create and maintain data sets as appropriate.
• Analyze concentrations, product mix, delinquency and loss trending, product optimization, line utilization, originations, whole loan sale performance, etc.
• Design, develop and interpret complex business and statistical analyses to support management decision-making as it applies to portfolio risk management and evaluation of marketing programs.
• Conduct root cause analysis to identify opportunities to predict, prevent and mitigate risk within processes and performance across consumer lines of business and play a crucial role in review and assessment of first line strategies as the second line of defense.
• Coordinate activities in credit outcomes to track and report trends and behaviors.
• Consult and challenge strategies for return on risk and improved predictability.
• Prepare and deliver presentations related to recommendations and strategy results to business partners and management.
• Run daily / monthly / quarterly production processes in a meticulous fashion within established controls and tight deadlines.
• Develop reports to understand financial performance by risk and behavioral segments. Develop and document detailed application specifications in a form that it can be used for coding.
• Extensive understanding of relational databases and ability to effectively utilize statistical software - particularly SAS, Python, SQL, PowerBI.

SUPERVISORY RESPONSIBILITIES : None

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED :

WORKING CONDITIONS : Potential considerations include : Normal office environment with little exposure to dust, noise, temperature, and the like. Extended time at desk and / or viewing computer screen.

LOCATION Cincinnati, Ohio 45227

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.