The Credit Risk Data Analyst is responsible for performing analytical work that supports the bank's credit risk management activities. The role evaluates credit risk data, enhances portfolio insights, and supports decision‑making through established analytical methods and reporting frameworks. This position collaborates with internal partners to ensure data accuracy, strengthen risk reporting processes, and maintain alignment with internal standards and regulatory expectations. The work involves the use of judgment and analytical expertise within defined policies.
What You'll Do:
- Evaluates loan portfolios to identify credit risk trends, concentrations, and emerging risk themes across products, industries, and geographies.
- Supports credit risk assessments by applying judgment to underwriting practices, portfolio performance indicators, and risk rating consistency.
- Conducts stress‑testing and scenario‑based evaluations to inform portfolio risk outcomes under varying economic conditions.
- Contributes to the development and monitoring of key credit risk metrics and early‑warning indicators.
- Develops and maintains analytical dashboards and reporting tools using SQL, Python, Qlik, or similar platforms to strengthen insight generation.
- Validates the accuracy, completeness, and consistency of data used in credit risk reporting.
- Interprets analytical findings and communicates insights to senior management and risk committees.
- Responds to analytical inquiries involving credit exposure, portfolio behavior, and performance dynamics within established guidelines.
- Supports data‑governance activities by reinforcing data‑quality standards and appropriate controls.
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