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Credit Risk Analyst I - Consumer

Company: Fifth Third Bank
Location: Covington
Posted on: January 9, 2022

Job Description:

Make banking a Fifth Third better -We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.GENERAL FUNCTION:Responsible for developing analytics to assist in the identification and evaluation of all risks related to Consumer Credit (i.e. Direct, Indirect, Credit Card, and Mortgage).Responsible and accountable for risk 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:Demonstrate technical expertise in the area of consumer credit risk.Provide direct support within the Credit Risk group in the evaluation and analysis of all consumer credit risk.Analyze portfolio level information to identify and monitor key risk factors and develop proposed solutions.Perform ad-hoc analysis of consumer portfolios as directed.Report and analyze characteristics of the Consumer Credit in relation to policies, guidelines and processes.Establish close working relationships with the Credit functions of the various Consumer Lending groups, while maintaining independence/objectivity.Develop and/or evaluate various models used for loss forecasting, portfolio stress testing, and other targeted analysis.Monitor and evaluate problem loan statistics. Ensure that appropriate reporting of activity is occurring consistent with Bancorp policy as well as pertinent accounting/regulatory guidanceEnsure that appropriate reporting of activity is occurring consistent with Bancorp policy as well as pertinent accounting/regulatory guidance.Ability to access and query a multitude of databases and create and maintain data sets as appropriate.Identify and communicate potential policy and or operational improvements that will enhance credit quality.SUPERVISORY RESPONSIBILITIES:None except project management responsibilities.MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:Bachelor's Degree or equivalent work experience.Minimum 2 years of Consumer Lending experience (origination and/or credit).Minimum 2 years experience in reporting systems, database management and analytics.Excellent analytical, verbal and written communication skills.Demonstrated ability to interpret data and determine next steps.Demonstrated ability to work with significant volumes of data in various formats and databases.Strong Excel skills (pivot tables/formulas), SQL, Tableau, and/or SAS background.Demonstrated ability to learn and understand various applications and business intelligence/database tools.#LI-GM1 Credit Risk Analyst I - ConsumerTotal Base Pay Range 48,800.00 - 92,900.00 USD AnnualLOCATION Cincinnati, Ohio 45227Fifth 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.

Keywords: Fifth Third Bank, Covington , Credit Risk Analyst I - Consumer, Professions , Covington, Kentucky

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