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. Optimize risk / reward trade-off to support new risk initiatives and portfolio risk analytics involving relationships among key business drivers.

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.

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SUPERVISORY RESPONSIBILITIES :

None

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED :

Bachelors' Degree, preferably in statistics or analytics.

Master's degree in relevant field preferred (Analytics, Business, Finance, Statistics, Economics, etc.)

Minimum 3-5 years of data analytics experience

Excellent analytical, verbal, and written communication skills.

Detail oriented with strong oral and written communication skills.

Demonstrated ability to work on multiple projects within expected timelines.

Demonstrated ability to work cohesively within a team.

Demonstrated ability to interpret data and determine next steps.

Demonstrated ability to work with significant volumes of data in various formats and databases.

Demonstrated ability to learn and understand various applications and business intelligence / database tools.

MS Office proficiency.

Strong background in one or more statistical software such as SAS, R, Python.

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.

Credit Risk Data Analyst - CRA

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.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and / or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at : or by consulting with your talent acquisition partner.

LOCATION Cincinnati, Ohio 45227

Attention search firms and staffing agencies : do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

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.