Credit & Portfolio Risk Analyst Resume Samples

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E Tillman

Elena

Tillman

6486 Torp Hollow

Los Angeles

+1 (555) 502 5985

6486 Torp Hollow

Los Angeles

Phone

p +1 (555) 502 5985

Experience Experience

Boston, MA

Credit & Portfolio Risk Analyst

Boston, MA

Gislason LLC

Boston, MA

Credit & Portfolio Risk Analyst

Driving credit risk policies in any of the following areas – authorizations, underwriting, existing customer management
Ensuring that MIS for Branded Cards and Retail Services are consistentin the assessment of collections risk and policy
Forecasting credit losses for new account acquisitions
Providing analytic support for ad-hoc requests from business, regulatory agencies and/or other audit entities
Measuring acquisition campaigns against Risk Appetite Framework to ensure they are within expected risk and return guardrails
Segmenting accounts using CHAID/CART methods to create authorization strategies for Over Credit Limit transactions
Tracking forecast results to actuals to improve forecasting performance

Detroit, MI

Avp-credit & Portfolio Risk Analyst

Detroit, MI

Kunde, Stokes and Turner

Detroit, MI

Avp-credit & Portfolio Risk Analyst

Perform technical design, development, modification, and implementation of Business Rules
Independently manage and conduct in-depth risk analytics projects that provide insight to the business and help mitigate credit losses
Analyze tests and performance using SAS and decision tree (CHAID/ CART)
Document design decisions, adhering to existing process guidelines, and develop software components
Troubleshoot issues, identify root causality and work with multiple Citi IT teams to deploy solutions
Provide support to business analysts for monitoring of rule outcomes and other ad hoc reporting
Evaluate effectiveness of current policies and strategies

present

Houston, TX

Assistant VP-credit & Portfolio Risk Analyst

Houston, TX

Schultz, Terry and Schuppe

present

Houston, TX

Assistant VP-credit & Portfolio Risk Analyst

present

Independently manage development and implementation of effective risk management strategies that help mitigate credit losses
Analyzing tests and performance using SAS and decision tree (CHAID/CART)
Analyzing tests and performance using SAS and decision tree (CHAID/ CART)
Provide insight into the data through MIS and deeper analytics
Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies
Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses
Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US

Education Education

Bachelor’s Degree in Mathematics

Loyola University Chicago

Bachelor’s Degree in Mathematics

Skills Skills

Highly proficient in Excel/pivot tables and PowerPoint
Ability to take the concept and data and create good Power Point Presentations
Interfacing with the Global MCA Champion to meet quarterly deliverables and other MCA deliverables as assigned
Highly proficient in making impactful presentations / power point slide
Strong ability to interpret analytic results, analyze and solve business problems via MIS, and present/summarize for management review
Strong programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments
Strong communication and presentation skills
Ability to work effectively across portfolio risk policy teams and functional areas teams
Strong influencing, negotiating, and facilitation skills
A self-starter with strong sense of ownership

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4 Credit & Portfolio Risk Analyst resume templates

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Credit Portfolio Risk Analyst Resume Examples & Samples

Background in audit, operational risk or credit risk would be particularly helpful
Ability to assess credit policy, its application and implications, with respect to risk and controls in the risk management organization
Analytical skills to synthesize validate and analyze metrics and develop trends for senior reporting
Technical abilities to develop reports and presentations
Organizational skills to manage various projects and timelines
Self motivated self-starter who can take initiative and work independently
Ability to develop strong relationships with peers and senior managers

Credit & Portfolio Risk Analyst Resume Examples & Samples

The incumbent will be responsible for developing strategies and solutions using SAS and data querying tools to manage Credit Authorizations & First Party Fraud for Branded Cards
Segmenting accounts using CHAID/CART methods to create authorization strategies for Over Credit Limit transactions
Developing models using regression techniques or other statistical methodologies to classify transactions based on risk/reward and drive authorization decisions
Ability to grasp payment flow and create strategies to prevent credit abuse resulting in losses for the Bank
Understand impacts of policy changes to operations and closely work with partners to mitigate impacts
Ability to articulate ideas to cross functional teams in the form of presentations
2+ years relevant experience in a Credit Card Risk Function
Strong knowledge of SAS, SQL, MS-Office & CHAID tools such as Knowledge Seeker
Self-starter who proactively seeks to improve policies and processes

Hedge Funds Credit & Portfolio Risk Analyst Resume Examples & Samples

Establishing credit limits and margin rates through a formal write-up and in-depth credit analysis
Monitoring exposure vs. approved limits to ensure trading remains within tolerated risk-limits
Negotiating the credit-related components to ISDAs and other trading documents
1 + years of previous work experience in a related-field, or recent college graduate with relevant course work for capital markets
Individuals should possess adequate knowledge of the Hedge Fund Industry, including strategies and trends
All employees are expected to have strong communication skills, both oral and written
Candidates must have a proactive and creative approach to problem-solving in order to meet tight deadlines and deliver results to management as well as internal and external customers

Credit & Portfolio Risk Analyst Loss Forecasting Resume Examples & Samples

Understand the key components that drive losses, i.e. contractual, bankruptcy, economic, recoveries, purification, etc
Provide a GAAP view of the forecast and support the LLR team
Coordinate with Collection Planning regarding capacity planning & Recovery
BS required in Mathematics, Engineering, Statistics, Physics or a relative quantitative discipline
Master’s degree in a quantitative discipline preferred
Strategic thinking coupled with ability to drive change end to end from concept to execution
Self-starter who proactively seeks ways to improve processes
Strong understanding of Risk Management and Financial Statements (P&L, Balance Sheet)
Ability to understand and work with complex data to formulate a view of the card business that can be actioned by management
Strong analytical, communication, and project management skills
Position also requires the ability to work with all levels within the organization to drive projects to completion

VP-credit & Portfolio Risk Analyst Resume Examples & Samples

Coordinate the CCAR and ICG Corporate Global Stress Test exercise with responsibilities, not limited to, crafting process timelines, interpreting macroeconomic scenarios, modeling, creating presentation templates, liaising with and supporting Banking and Risk Senior Management, training and leading partners across the organization
Coordinate ad hoc stress test exercise based on episodic economic and market events (i.e. oil price decline) to access potential impact on the overall portfolio
Support GI/RM Seniors on departmental analytical initiatives and regulatory projects, such as Industry Quarterly Reviews and Leveraged Finance Projects
Propose process improvements in an effort to automate GI/RM portfolio management functions
Organize policy, process and systems training
BA/BS degree and a minimum of 3-4 years related experience in the Financial Services industry
This individual should be analytical, flexible, team-oriented, and have good interpersonal, communication, and follow-up skills with strong attention to detail and ability to multi-task
Manage projects across diverse groups within Citi
Work under time pressure both as part of a team and independently; able to juggle multiple deliverables and ad-hoc requests
Possesses advanced Excel, Word, Outlook and PowerPoint skills
Experience with Citi Risk applications preferred
Understanding of corporate finance and familiarity with ICG credit policy preferred

AVP, Credit & Portfolio Risk Analyst Resume Examples & Samples

Stress testing: develop innovative stress testing approaches to structured credit asset classes
Capital Rationalization: solve problems around inconsistent and sub-optimal capital methodologies
Correlation Analysis: help with correlation analysis for bank portfolio management and structured portfolio transactions
Large Transaction Analysis/Advisory: support traders, structures and risk managers in evaluating major structured transactions with an execution deadline
Risk Challenge: develop effective challenge methodologies facing various production level elements within the bank
Strategic Modeling for Asset Allocation: develop decision tools for senior management around global asset allocation for residential and commercial real estate
Technical advisory for CCAR, Basel and other critical workstreams: support critical technical advisory input toward regulatory compliance
Preferred minimum master degree in quantitative field such as statistics, economics, quantitative finance, engineering or mathematics. 3-5 years of relevant work experience
Direct resi and commercial real estate experience preferred
Excellent written and oral communication skills are required, ability to present work in a formal and understandable format, bringing groups of people to consensus
Ability to show initiative and problem solving around database and systems issues
Basic programming skills and ability to work with and motivate programmers
Demonstrate ability to successfully engage in multiple projects and effectively use third party systems such as Intex

Credit Portfolio Risk Analyst Resume Examples & Samples

1-3 years of Credit Risk experience
Strong knowledge of Capital Markets/traded products
Credit facility; loan syndication understanding
Strong technical skills, including accounting and financial modeling
Excellent writing and strong communication skills
Ability to multi task and work within tight deadlines
Receptivity to feedback;Initiative and resourcefulness
Team focus
Interest in corporate and investment banking products

Credit & Portfolio Risk Analyst Resume Examples & Samples

Collaborate with Risk Modeling, Portfolio and New Account Forecasting teams as well as data and reporting teams
Challenge model output to identify areas of improvement relative to portfolio and macro-economic trends
Work with business peers to determin the best ways to produce results needed to support RAF
Card experience with compiling data - SAS / Citi EDW
Broad understanding of overall credit card business and key drivers of profit and loss
Vision and ability ot provide innovative solutions to core business practices
Ability to develop partnerships across multiple business and functional areas
BS degree in Mathematics, Engineering, Statistics, Physics or relative quantitative discipline
Advanced degree in a quantitative discipline strongly preferred

Credit & Portfolio Risk Analyst Resume Examples & Samples

Providing analytic support for ad-hoc requests from business, regulatory agencies and/or other audit entities
Developing anticipatory and comprehensive reporting that will enable the policy team to understand the performance of existing policies and will aid future Cards risk assessment
Performing independent validation of Quality Control (QC) exception reports and partnering with policy/strategy teams to complete post-implementation validation for key initiatives
Ensuring that MIS for Branded Cards and Retail Services are consistentin the assessment of collections risk and policy
Strong prior experience using SAS/SQL/Teradata in a UNIX environment
Automation using VBA Macros, Data warehouse and mainframe experience is a plus
Strong ability to interpret analytic results, analyze and solve business problems via MIS, and present/summarize for management review

Credit & Portfolio Risk Analyst Resume Examples & Samples

Work with business peers to determine the best ways to produce results needed to support RAF
BS degree in Mathematics, Engineering, Statistics, Physics or relative quantitative discipline required; advanced degree in a quantitative discipline strongly preferred
Strategic and integrative thinking, with ability to drive change end to end from concept to execution
Vision and ability to provide innovative solutions to core business practices

Assistant VP-credit & Portfolio Risk Analyst Resume Examples & Samples

Help drive digital strategies for RS Risk organization
Engage with different stakeholders to help drive projects ahead
A good understanding of credit life cycle and collections/recoveries
Provide insight into the data through MIS and deeper analytics

Credit & Portfolio Risk Analyst Resume Examples & Samples

1) Balance the risk and return for customer initiated credit line increase program to optimize the decisions on underwriting and line assignment
2) Identify policy improvement opportunities and take ownership of policy analytics – from conception to execution
3) Develop, produce and manage the MIS reports to measure and monitor the program, intepret the trends and explain the key drivers, and proactively manage the health of the program with all stakeholders
4) Improve the customer experience of the customer initiated credit line increase program
5) Work togher with Risk Operation team and system execution team to ensure flawless execution of various testing and strategies
6) Manage the control tasks, including the inter and external audits and policy governance
Master of Science preferred
3-5 Years of experience in an analytical capacity required
Excellent presentation and communication skills
Ability to work independently or in a team environment
Cross-functional project management experience is highly desirable

Credit & Portfolio Risk Analyst Resume Examples & Samples

Provide BAU Reporting and Strategic Presentations to the Senior Management
Summarize the information for the senior leadership using Excel and PowerPoint
Maintain a line of sight towards key priorities for the Retail Services risk organization

Credit & Portfolio Risk Analyst Resume Examples & Samples

Fundamental analysis of asset management companies, pension funds, private equity and mutual funds
Analyzing a full range of products (lending, derivatives and capital markets transactions) and structuring terms and provisions to contain risk within acceptable parameters
Detailed knowledge of product documentation and ability to negotiate terms independently
Developing and maintaining relationships with the Relationship Managers, Traders, Sales and Account Officers who are originating business and credit exposure to the customers
Periodic on-site due diligence meetings with their counterparties
Driving change and efficiency to the current methods for reviewing and monitoring Fund risks
3-5 years of previous work experience in a related field
Familiarity with Capital Markets trading and lending products, particularly in derivatives, FX, structured and other complex products traded
Strong grasp of current technologies including stress testing is highly beneficial
Highly proficient with Microsoft Excel, PowerPoint, Word and Access
Real sense for how to build/support business growth
Motivated and confident to drive change
Attention to detail; unaffected by high pressure situations
Quantitative and intuitive skills, and an understanding of the risks inherent in capital markets products, transactions and positions
Bachelor degree required additional degrees/designations which may include MBA, or MS desirable

Credit & Portfolio Risk Analyst Balance Transfer Resume Examples & Samples

Take ownership of the Balance Growth channel; manage Balcon (balance consolidation) programs and any new initiatives in collaboration with internal Risk teams and cross-functional partners
Document and ensure communication of key risks; produce reports and presentations that outline findings, recommend changes and rationale
Develop or implement risk-assessment models or methodologies

Credit & Portfolio Risk Analyst Resume Examples & Samples

Forecasting credit losses for new account acquisitions
Measuring acquisition campaigns against Risk Appetite Framework to ensure they are within expected risk and return guardrails
Bachelor’s Degree required in statistics, mathematics, engineering, physics, economics, or related quantitative discipline
3+ years experience in financial, economics or other analytical capacity (or 1+ years experience with Master’s Degree or PhD)
Proficient with SAS/SQL or experience with data manipulation tools; knowledge of Essbase or Oracle Smartview; MS Office
Good written and verbal communication skills, with ability to connect analytics to business decisions; comfortable presenting to peers and management

VP Credit & Portfolio Risk Analyst Resume Examples & Samples

Develop and manage MIS reports and adhoc analyses to measure and monitor the program, interpret trends and explain key drivers
Perform descriptive and statistical analyses to validate hypothesis, interpret results/outcomes and derive business and predictive insights
Influence senior managers and leaders with analytically driven recommendations to improve policies
Manage appropriate controls for the program, including internal and external audits and policy governance tasks
Effectively collaborate with business partners in Marketing, Execution, Finance, Data Management, Compliance and Legal to ensure flawless and timely execution and management of policies
Proficient with MS Office suite
Ability to work independently with baseline instructions/guidelines from management

Avp-credit & Portfolio Risk Analyst Resume Examples & Samples

Develop risk management strategies in conjunction with the product team to grow the portfolio
Communicate policy changes and test recommendations, program approvals, MIS and performance trends with key stakeholders
Analyze bureau and credit information to determine statistical significance of information and perform risk and reward trade off analysis
Collaborate with partners and work effectively in a matrix environment
1+ years experience in risk management, financial services or relevant field (or Master’s Degree or PhD) - Preferred

Avp-credit & Portfolio Risk Analyst Resume Examples & Samples

Bachelor’s Degree required in computer science, engineering, or analytically focused discipline
1+ years experience in relevant field or Master’s Degree or PhD
Experience with FICO Blaze Advisor (version 6.5 or later)
Proficient in C/C++ or JAVA, SQL and MS Office
Work with cross-functional teams to provide systems/platform expertise
Extremely detail-oriented; intellectual curiosity

VP-credit & Portfolio Risk Analyst Resume Examples & Samples

2-4 years in related work experience or other systems and analytical capacity (or 1+ years experience with Master’s Degree of PhD)
3-5 years of experience with FICO Blaze Advisor (version 6.5 or later)
Demonstrated ability to translate business requirements into Blaze rules with focus on reusability
2+ years programming experience in C/C++ or JAVA or SQL. Proficiency with MS Office suite
SAS or R programming knowledge is a plus
Analyze data and requirements to design effective solutions or propose alternative courses of action
Good written and verbal communication skills; ability to translate business needs into system/process designs; comfortable presenting to peers and management
Ability to multi-task and work against tight deadlines
Work independently with baseline instructions/guidelines from management

Credit & Portfolio Risk Analyst Resume Examples & Samples

Perform vigorous analyses using analytical and statistical tools to identify gaps and opportunities for the program, and to drive changes to credit policy to optimize risk-rewards tradeoff
Synthesize information and data to resolve business problems with logical and practical solutions
Present analytical findings and associated business implications to senior management
Apply mathematical or statistical techniques to address practical issues in risk management
3+ years experience in risk management, financial services or relevant field (or 1+ years experience with Master’s Degree or PhD)
Understanding of basic P&Ls of Cards business a plus

Credit & Portfolio Risk Analyst Resume Examples & Samples

Track record of high achievement
Excellent written and verbal communication skills with the ability to convey clear and concise thoughts and ideas
High level of computer literacy especially in Excel and PowerPoint
Natural curiosity to validate and analyze data to develop trends for senior management reporting
Exposure to audit, operational risk or credit risk would be particularly helpful
Good interpersonal skills to work with various staff and management levels globally throughout risk
Organizational skills to lead various projects and timelines
Self-driven sense of motivation
Strength to work within deadlines and meet key target deliverables

Avp-credit & Portfolio Risk Analyst Resume Examples & Samples

Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US
Independently manage and conduct in-depth risk analytics projects that provide insight to the business and help mitigate credit losses
Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes
Analyze tests and performance using SAS and decision tree (CHAID/ CART)
Have a good understanding of credit life cycle and collections/recoveries
Can present to both technical and non-technical personnel effectively
Have the ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities

Credit & Portfolio Risk Analyst Resume Examples & Samples

The role will require successfully performing the different analytical components of an econometric-modeling driven stress testing process
Must have the knowledge and expertise to deliver innovative modeling techniques and data strategies, deliver best in class stress testing and/or credit scoring models
Must be updated with latest CCAR modeling techniques through ongoing review and synthesis of research papers
Role will require developing PD/EAD/LGD stress testing models for annual DFAST/CCAR exercise. Prior experience in developing loan level models is preferred using one or more modeling constructs
Survival Models, Age Period Cohorts and State Transition models
Presentations to both technical and non-technical personnel are required to be made frequently as part of the job. Must have capability to clearly communicate analysis
Education: Bachelor’s degree in a quantitative discipline: Mathematics, Economics, Operations Research, Statistics
Ability to apply credit and risk principles toward business objectives
Strong leadership and team management skills
Strong programming skills in advanced SAS and SQL in mainframe, UNIX and PC environments
Exposure to and understanding of Comprehensive Capital Analysis and Review (“CCAR”) and Dodd-Frank Act Stress Testing (“DFAST”)processes

Credit & Portfolio Risk Analyst Resume Examples & Samples

The role will require successfully performing the different analytical components of an econometric-modelling driven stress testing process
Must have the knowledge and expertise to deliver innovative modelling techniques and data strategies, deliver best in class stress testing and/or credit scoring models
Role will require developing PD/EAD/LGD stress testing models for annual DFAST/CCAR exercise. Prior experience in developing loan level models is preferred using one or more modelling constructs

Credit & Portfolio Risk Analyst Resume Examples & Samples

Driving credit risk policies in underwriting and commercial acquisitions
Financial/Budgetary: NA
Individual Contributor (IC)/Managerial: Individual Contributor

VP, Credit & Portfolio Risk Analyst Resume Examples & Samples

Prepare presentations and communicate portfolio dynamics, evaluate industry trends, explain models and assess credit risks holistically
Develop and maintain standardized reporting
Develop of new reporting and analytics based on requirements from business partners
Provide proactive recommendations to senior management based on analytical observations of key business indicators
Develop sound risk mitigation strategies
Source data from disparate systems and bring them together in a SAS environment
Conduct ad hoc reporting, analytics, and presentation requests as required
NOTE** The information listed within this description summary is intended to indicate the general nature and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the responsibilities, and/or minimum qualifications required of an employee assigned to this position. Compensation is comprised of base pay + variable incentive. Variable incentive compensation is based on individual performance and is not guaranteed
At least 7+ years related experience
Requires strong analytical ability
Advanced SAS programming skills
Strong communication skills to present plans to senior management
Strong project management skills with experience managing multiple simultaneous projects
Ability to visually display and interpret data

VP-credit & Portfolio Risk Analyst Resume Examples & Samples

Establish and implement ECM policy for both new business opportunities and existing partner programs that align with business goals and risk appetite. Tracking and reporting of all initiatives and reporting performance results, emerging trends and business opportunities to senior management
Ensure all initiatives comply with the policies, regulations, and strategic direction set by senior management, and participate in various control, audit and compliance initiatives as required
3+ years working experience with credit policy analytics and development, preferably on a card portfolio
Bachelor’s degree in a quantitative discipline or business. Masters preferred
The ability to apply credit and risk principles toward business objectives
SAS programming (PC SAS, SAS EG, UNIX SAS) and Computer literacy with MS Office software required
Data mining experience using Knowledge Studio or similar software preferable
The candidate must demonstrate strong organizational skills, have strong multi-tasking ability and an ability to learn and apply new skills quickly
Excellent overall business judgment and strong interpersonal, analytical and problem solving skills