Credit Review Data Analyst

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Job description

Pay Range: 96-118K JOB SUMMARY Internal Credit Review's (ICR's) Data Analyst position is a key contributor role on ICR's Strategy, Operations, Analytics, and Reporting (SOAR) team responsible for provisioning, managing, and performing credit data analyses in support of ICR's risk assessment, examination, portfolio surveillance, and reporting activities. The incumbent works independently as well as in collaboration with other ICR team members to develop analytics and generate concise visualizations that monitor trends, surface insights, and identify potential credit quality deterioration and/or risk management deficiencies that require further attention and/or escalation to senior management. The incumbent also assists in the construction of portfolio samples for testing, supports the operation of ICR's workflow tools, and contributes to special projects and other department operational processes in furtherance of ICR's mission. As such, the position has an outsized influence on helping ICR operate cohesively, efficiently, and effectively, while also providing the incumbent exposure to various credit portfolios and products as well as significant engagement with stakeholders from across ICR and the Bank.

JOB RESPONSIBILITIES

• Source, manage, and analyze portfolio data in support of ICR's credit risk assessment, examination, and continuous monitoring activities, including analyzing asset quality, financial trends, payment performance, and relevant market, industry, and regulatory developments to identify emerging risks.
• Support the development, maintenance, and ongoing enhancement of ICR's internally generated data and related analytics, reporting, and workflow technology tools and repositories.
• Design and create standardized and customized data visualizations and reports summarizing portfolio asset quality and ICR operational information for ICR reviewers, management and other stakeholders.
• Maintain appropriate process and control documentation of ICR's data provisioning, transformation, and usage activities to enhance transparency and replication by third parties as needed.
• Support the enhancement and ongoing execution of critical department operational processes such as annual planning, resource capacity and deployment analysis, staff skills assessments, financial budget management, issue tracking, Board reporting, and interactions with supervisors and external auditors.
• Develop collaborative working relationships with ICR stakeholders to monitor portfolio developments, promote knowledge sharing, exchanges of best practices, and foster a positive work environment consistent with Bank values.

ADDITIONAL ACCOUNTABILITIES

• Participate in special projects in support of enhancing ICR's capabilities and achieving its objectives.
• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

JOB REQUIREMENTS

Required Qualifications:

• BA or BS degree; MBA or other advanced degree or certification is a plus.
• 4-8 years of banking, financial services, consulting, internal audit, or equivalent experience, including significant data analytics and reporting experience.
• Demonstrated track record using technology or analytics applications to achieve business objectives, such as Oracle PL/SQL, Business Objects, SAS, Sharepoint, or similar data and file management applications.

Preferred Qualifications:

• Experience with lending, finance, and risk management methodologies and processes.
• Large financial institution experience with an OCC or FRB-regulated bank.
• Prior experience working with commercial or consumer credit data.

Job Competencies:

• Strong analytical and problem-solving skills.
• Strong data lineage and process documentation skills.
• Advanced proficiency with data visualization tools such as Power BI or Tableau to convert data into meaningful dashboards for insight generation.
• Ability to analyze portfolio trends at a macro level, identify leading/lagging indicators or other signs of changing risk levels and/or process breakdowns.
• Effective oral and written communication skills with strong data lineage, management and control documentation skills.
• A high degree of professional maturity appropriate for interactions with Bank stakeholders beyond CR.
• Strong attention to detail, a dedication to quality and process discipline, and enthusiasm for learning. Eagerness to remain current on Bank, market, and industry developments to keep skills current and sharp.
• Willingness to travel 0-10% if needed.
• Physical demands (ADA): No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identify, or national origin.

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