• Provide administrative support to the Credit Group.
• Coordinate credit committee meetings.
• Prepare various loan-related reports.
• Assist in internal and external communications and credit proposals.
• Prepare monthly reporting, including Problem Credit Review Memorandum and summary report to Board.
• Maintain documents, records, loan files, and reports, analyze title reports, title policies, and perform online title searches
• Prepare reports requested by Senior Management, Credit Group, Accounting, Finance, Internal Audit, Auditors, Examiners, Loan Review consultants, and parent bank
• Provide back-up support for credit portfolio monitoring and reporting.
• Provide backup support for other department staff members or Credit Group 

Skills: Administrative Support, Meeting Coordination, Report Preparation, Communication Assistance, Document Management, Title Search Analysis, Credit Portfolio Backup, Interdepartmental Support

• Analyze and process large volumes of data
• Use analytics to inform collections prioritization and recoveries strategy
• Liaise with Front Office and other departments
• Make recommendations to proactively manage the credit risk of the group
• Create the risk data structure used for modeling, validation, and reporting
• Follow the transaction through to completion, working with an external loan administrator
• Review the performance of the business against regular financial information
• Proven financial analysis skills and/or experience in operating financial models to determine portfolio risk
• Prepare credit reviews and proposal of internal ratings, assigning limits and providing recommendations
• Proposing credit terms within legal documentation (ISDA, GMRA etc)
• Attending relevant committees and relevant business line focus groups
• Assist with development and review of rating models
• Assist with development and enhancement of stress testing model and metrics

Skills: Data Analysis, Collections Strategy, Interdepartmental Liaison, Credit Risk Management, Risk Data Structuring, Transaction Oversight, Financial Performance Review, Model Development Support

• Analyze client performance data, including credit attributes, account usage and payment behavior, and efficacy of servicing strategy to optimize the efforts of the Risk Operations team
• Support model development and implementation
• Deliver analysis to support work strategy updates which drive team performance
• Create and oversee tools that will illuminate the characteristics and trends in the portfolio
• Work closely with the technology team to analyze the data environment, support the addition of new data sources, and implement decision models
• Provide valuable insights using data and analytics to help identify and resolve issues relating to a credit strategy
• Produce reports and analysis for monthly portfolio performance tracking and evaluation
• Provide analysis and problem solving to address product performance and inform policy development
• Review and analyze existing business strategies, as well as recommend and implement new strategies as appropriate
• Support the business and senior leadership by performing ad-hoc analysis and reporting
• Partner with internal affiliates to further business understanding and facilitate inter-departmental insight

Skills: Performance Analysis, Model Development, Strategy Analysis, Data Tooling, Tech Collaboration, Strategy Insights, Report Production, Strategy Support

• Review commercial loan approvals and credit files to evaluate adherence to approval conditions, accuracy of risk grading, adequacy of documentation, adherence to internal credit policies and procedures, and compliance with regulations.
• Provide independent and objective feedback on any observations arising out of the review of loan approvals and credit files.
• Review financial spreads used in the approval process to verify general accuracy of the spreads and any conclusions drawn from them.
• Identify relevant trends affecting the quality of the portfolio and highlight potential problem areas.
• Provide commentary regarding issues noted when reviewing credit policies and procedures in the normal course of job duties.
• Participate in the development of relevant policies, procedures, methodologies and training.
• Collaborate with PCRM group and provide loan-level review support for other projects 
• Apply quantitative methods to drive and influence management decisions
• Collaborate with cross-functional partners including operations, credit, collections, and fraud teams to create business strategies
• Create ad-hoc and regular reports (using SAS, SQL, Access, etc.) & build Excel dashboards to support system processes & highlight key risk & fraud metrics (KPIs)
• Analyze & manage credit policy for new applications through statistical model building and perform data driven analysis
• Monitor portfolio data & create reports, strategies for regular account management functions like Credit line increases, term changes etc.

Skills: Loan Review, Credit Feedback, Financial Verification, Trend Analysis, Policy Review, Policy Development, Cross-Functional Collaboration, Credit Policy Management

• Participate in the process of developing and refreshing risk inventories and risk control self-assessments 
• Provide data and analytics to perform root cause analysis and support recommendations for breaches of Key Risk Indicators
• Help the team translate data into actionable recommendations and tell an informative narrative of the credit portfolio.
• Identify and analyze new emerging risks as potential KRI's to be monitored.
• Work with key business partners such as Credit Administration, Finance and Treasury to analyze and validate data that is used to support risk appetite statement metrics, dashboards, and other KRIs.
• Assist ERM in data profiling and data mining from Enterprise data stores.
• Search for risk trends in the credit portfolio by reviewing credit files and performing due diligence on various segments of the portfolio and provide analysis to Management 
• Present findings, remediation plans and rationales to the leadership teams for decision.
• Assess and validate risk issues identified in third party loan reviews, independently work with relevant parties to remediate and escalate 
• Update and maintain risk issues tracker.
• Organize risk issues that are identified via 3rd party loan review, regulatory reviews, and other audits.

Skills: Risk Inventory Development, Data Analytics, Data Translation, Emerging Risk Analysis, Data Validation, Data Profiling, Trend Analysis, Risk Issue Organization

• Assist in preparation of materials for BERM, DERM, and other meetings
• Research and report insightful information regarding market and economic trend present findings to leadership.
• Update data quarterly for Bank's Credit Concentrations and Economic indexes in respective Tableau Dashboards.
• Drive efforts to improve delivery and content of credit related information through various platforms such as SharePoint, Tableau and email.
• Perform ongoing credit reviews for the CCO as well as organize and facilitate reviews by third parties. 
• Support of these activities includes preparation of logistics, data, documentation, and training.
• Identify opportunities for process improvement in current reporting and value add reporting for partners and leadership.
• Assist in preparations of logistics, data and collecting documentation for ongoing internal and 3rd party credit reviews.
• Act as Subject Matter Expert resource for the Credit Analyst on the team.

Skills: Meeting Preparation, Trend Analysis, Data Management, Content Improvement, Credit Review, Process Optimization, Documentation Preparation, SME Support

• Responsible for running credit risk models (including IFRS 9, PD, LGD and simulation models) on a monthly basis and ad-hoc as required and present model outputs to Credit Committee with oversight from the Credit Risk Manager
• Run in-depth data analysis by reconciling results against known metrics in Credit Risk Management Information and in the Risk data mart
• Run model developments in line with The Nottingham’s model governance best practices
• Manage existing models in the Model Inventory along the principles of the Model Risk Governance Policy, including monitoring, reviewing risk triggers and ensuring reviews are carried out on schedule
• Identify and interpret new credit risk regulations and assess whether any model development or process changes
• Assist the Credit Risk Manager with any second line risk, internal audit or external audit reviews of model developments or governance
• Support the Credit Risk Manager with inputs into the credit risk sections of the Society’s ICAAP on an annual basis
• Accountability for key elements of the credit risk function including policy, risk analytics, credit risk strategies and credit risk oversight to enable the delivery of growth, business objectives and portfolio management in line with ME's Risk Appetite Statement.
• Reporting to the Senior Manager- Portfolio Analytics & Reporting, this role has accountability for the evaluation and analysis of credit risk across ME’s secured and unsecured lending products portfolio.
• Provide quantitative and qualitative analysis to enable the business to make clear and objective assessment of credit risk impacts. 
• Responsible for providing key Credit Risk management information to internal and external stakeholders including Regulators, Investors and Industry bodies.

Skills: Risk Model Management, Data Analysis, Model Development, Model Inventory Oversight, Regulatory Interpretation, Audit Support, ICAAP Contribution, Stakeholder Reporting

• Sourcing data from various data warehouses and external partners
• Using historical and current data and working closely with cluster teams to provide insight and recommendations on portfolio, product and channel performance
• Providing insight and recommendations to strategy risk teams as well as senior management
• Liaising with key internal and external stakeholders to ensure analysis/context is complete
• On-going monitoring of risk performance
• Taking responsibility for the production and maintenance of a variety of BAU reports, and ensuring they are delivered within agreed timescales
• Responding to requests for information from senior management, producing timely, clear and accurate data/insight to meet those requests
• Developing different approaches for Long tailed exposures vs ‘Catastrophe’ exposures.
• Developing limits and measures for each of the separate carriers in the Hiscox Group, obtaining board sign off, and reporting on exposures against these limits.
• Work with and advise Risk committees on issues relating to reinsurance credit risk.
• Oversee the way Reinsurance credit risk is modelled in and communicated from the capital model and aligning this to the way the risk is communicated in the RCC.
• Gathering market intelligence from senior executives in reinsurance broking houses and reinsurers.
• Assist the Reinsurance Purchase and Operations teams in Credit Control, particularly regarding late payments.

Skills: Data Sourcing, Performance Insight, Stakeholder Liaison, Risk Monitoring, Report Management, Management Response, Risk Measure Development, Credit Control Support

• Responsible for the assessment of credit applications for both new and existing customers.
• Delivering an excellent customer experience each and every time.
• Responsible for achieving increased revenue protection and retention of valued customers whilst identifying and reducing potential bad debt.
• Assessing the risk of new mortgage applications ensuring adherence to standard policies and procedures, operating within credit policies at all times
• Assessing risk implications across a varied customer base in line with Central Bank regulations (CBI)
• Providing assistance to team members throughout the lifecycle of the mortgage
• Developing risk policies and procedures for customers in arrears 
• Carry out credit risk analysis on new business cases
• Process ad-hoc reporting and analyses for the Chief Credit Officer and other stakeholders
• Perform various Controlling tasks/ further improve the credit control landscape
• Support the team in further automation of the reporting
• Support Head of Credit Management Office & Controls various tasks and ongoing projects
• Service the online credit portal and the documentation of processes and manuals

Skills: Credit Assessment, Customer Experience, Revenue Protection, Mortgage Risk Analysis, Regulatory Compliance, Risk Policy Development, Credit Risk Analysis, Process Automation

• Obtains and analyzes financial, credit and collateral data to evaluate existing and prospective commercial loan opportunities and assist loan executives and sales executives on loan requests in order to approve or deny applications.
• Analyzes financial information received from borrowers and other sources, such as reporting services, credit bureaus, other companies and current credit files to determine trends for collectability and loan profitability.
• Produces initial credit analysis for pre-screening, underwriting, and approval processes.
• Assists loan officers with the monitoring of loan relationships and the portfolio.
• Examines and tests all Borrowing Base Certificates and Covenants for compliance with loan agreements.
• Ensures open communication and collaborative efforts exist between the lending teams and the credit staff by clearly communicating progress and/or needs in a timely and precise manner.
• Supports loan and credit facility production staff in preparation of written credit proposals and presentation to various credit committees.
• Ensures that all transactions either conform to the Loan Policy or ensure that all policy exceptions are disclosed in credit proposal.
• Reviews incoming financial statements on existing customers, updating financial spreads and communicating any concerns with supervisor.

Skills: Financial Analysis, Loan Monitoring, Compliance Examination, Team Communication, Credit Proposal Support, Policy Adherence, Financial Statement Review, Credit Analysis

• Experience in sourcing, reviewing, and analyzing financial information
• Commercially aware, with a clear understanding of the drivers of business growth and the costs of delivery
• Ability to work within a fast-paced and challenging environment
• Strong IT skills with experience using statistical tools and programming languages such as SAS, SQL, etc
• Basic knowledge of banking laws and regulations
• PC proficient with Microsoft Excel, Access, Word, and PowerPoint
• Ability to coordinate and complete diverse tasks within stringent timeframes
• Ability to extract data from Bank’s core processing system, manipulate the database and system to conduct analysis, and create reports.
• Ability to verbally present reports to senior management

Qualifications: BS in Finance with 4 years of Experience

• Previous experience in a Credit Officer position
• Strong fundamental credit analysis skillset
• Knowledge of policies and procedures pertaining to credit risk
• Experience in using MS Excel and SQL
• Strong problem solving, decision making, and analytical abilities
• Strong detail orientation and communication/listening skills
• Ability to collaborate and work with other analysts on the team
• Work experience in the financial industry in credit risk or finance
• Strong analytical skills and always keen on innovative ways to gain impactful insights
• Knowledge of financial risk management
• Knowledge of the securities, commodities, and derivatives trading business
• Ability to coordinate activities across different teams

Qualifications: BS in Economics with 3 years of Experience

• Prior loan portfolio management experience.
• Strong credit skills with the capacity 
• Evaluate strengths/weaknesses of a diverse loan portfolio.
• Strong written and verbal communication skills. 
• Strong intellect, intellectual curiosity, and motivation.
• Advanced level Excel and PowerPoint skills.
• Work independently and under critical time constraints.
• Experience facilitating derivatives trading transactions for a bank
• Strong quantitative skillset
• Strong understanding of counterparty risk

Qualifications: BS in Accounting with 10 years of Experience

• Experience combined working in a mortgage underwriting and credit risk position
• Experience dealing with both new lending and customers in arrears
• Excellent risk analysis skills with the ability to assess mortgage risk
• Strong regulatory knowledge in the area of mortgages
• Thorough analytical skills with good attention to detail and a demonstrated aptitude for tackling analytical issues through quantitative modeling and assimilation of data into a working product
• Ability to work well with cross-functional teams from Business, Credit, Operations and Compliance excellent written and verbal communication skills
• Sound risk and business judgment Stress testing and instrument modeling skills desirable.
• Experience in credit risk role, ideally in a payments organization, acquirer, or equivalent Fintech business with a Risk focus

Qualifications: BS in Statistics with 7 years of Experience

• Relevant experience within a Credit Risk function or similar analytical role
• Good knowledge of retail credit risk management techniques
• Expert user of SAS or other statistical packages
• Demonstrable experience in managing demanding workloads
• Multi product knowledge across the customer lifecycle
• Experience with commercial operations, finance, or sales related function.
• Strong commercial and customer-oriented mindset.
• Ability to effectively communicate key findings of complex information.
• Ability to multitask and set priorities in cross functional team environment.
• Ability to connect teams and influence information to be delivered on-time.
• Drive for results and proactiveness.
• Proficient English language.

Qualifications: BS in Mathematics with 5 years of Experience

• Strong credit review, commercial lending and/or credit administration experience
• Ability to travel to client locations, conferences, training sessions, meetings, etc.
• Working knowledge of the banking industry, controls and processes, prior financial institution industry experience and/or FI regulatory experience
• Familiarity with financial institution regulations
• Strong understanding of accounting and credit review standards
• Strong written and oral communication skills
• Demonstrated track record of successfully leading projects
• Demonstrated track record of developing positive client relationships
• Ability to multi-task and complete assignments within required time constraints and deadlines

Qualifications: BS in Management Science with 2 years of Experience

• Excellent presentation, verbal, and written communication skills
• Passion for credit analysis and the financial markets
• Strong analytical and problem-solving skills
• Experience in Credit Risk, Analytics, or Data Science
• Past experience in internalising and conceptualising a problem to identify core drivers, and solving through a hypothesis led approach 
• Experience in change management, influencing, workflow management, and managing to the highest degree of compliance and governance (including documentation)
• Strong data manipulation and statistical analysis (eg. SAS, SQL, Tableau, CHAID)
• High level proficiency in SAS / SQL and Excel
• Ability to work with large data sets, and understand interactions between relevant data 

Qualifications: BS in Risk Management with 4 years of Experience

• Experience in applying and developing analytical methods, including data mining techniques, preferably in the financial services industry.
• Proficiency with an analytical/quantitative tool (such as Excel, SAS, Python, R)
• Familiarity with Tableau and ability to query large relational databases.
• Demonstrated effective time management skills and the ability to work independently or in a collaborative team environment.
• Excellent verbal and written communication skills, able to express ideas concisely and logically to all levels.
• Strong analytical and problem-solving skills with attention to detail.
• Working knowledge of Microsoft Office Suite
• Strong analytical, quantitative and problem solving skills
• Knowledge of financial markets, fund management, securities, and banking industries and financial accounting concepts
• Familiar with derivatives and capital markets products

Qualifications: BS in Information Systems with 3 years of Experience

• Strong mathematical and statistical background, including knowledge and understanding of statistical modelling techniques
• Relevant experience, eg in credit risk, modelling and/or model Validation
• Knowledge and understanding of regulatory models (IFRS 9 and Stress Testing) are desirable within a banking environment.
• Good programming skills, ideally including SAS
• Excellent written and presentational skills
• Advanced knowledge of MS Office suite, especially Excel.
• Strong insight and proven ability to summarise succinctly
• Strong planning and organising skills
• Work experience in financial services (investment banking or similar), with a deep understanding of financial modeling and financial analysis
• Strong interest in client interaction and possess outstanding verbal and written communication skills
• Ability to perform well under pressure in a demanding environment

Qualifications: BS in Actuarial Science with 5 years of Experience

• Experience with SAS and exposure to SQL, decision trees and Excel (VB) in a business environment
• Experience in an analytics/modeling/reporting role
• Experience with large data sets aggregated from multiple sources, enthusiasm for working on technically complex analysis
• Analytical and results oriented, independent thinker and strong problem solver
• Strong written and verbal communication skills
• Ability to summarize and communicate results from complex analysis clearly
• Experience presenting analysis to senior leadership
• Strong oral and written communication skills with a high degree of computer literacy
• Awareness of credit industry products and markets
• Creative thinking required as many problems are unprecedented and without guidelines
• Resilient to setbacks, with the tenacity, drive and keen eye for detail required to solve complex challenging problem

Qualifications: BA in Economics with 6 years of Experience