13 Credit Risk Analyst Jobs in Philadelphia, PA
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U.S. Bank National Association is Hiring a Credit Risk Analyst Near Philadelphia, PA
At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.
Job Description
The organization's risk management structure is designed to promote effective governance and risk management that is systematic, transparent, credible, timely, and verifiable through clear delineation and execution of key roles and responsibilities. Its goal is to assess and/or manage risks that may impact the company, including credit, financial, liquidity, market, operational, reputational, strategic, and other risks as appropriate. The Business Risk Professional will partner with their assigned Line of Business, other Business Risk Professionals, and Business Risk Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. May participate in projects and/or activities that ensure compliance with applicable federal, state and local laws and regulations. May identify gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. May actively identify, respond and/or escalate risks as appropriate. May inform policies and procedures in an effort to maximize profit potential and minimize regulatory exposure. May serve as a functional liaison between the Line of Business and the Lines of Defense.
The Business Risk Professional is a key member of the Deposit Risk and Business Assessment team, providing analytical and project management support for both Consumer and Small Business demand deposit products and services. This role will focus on Money Movement strategies including the build out and support of a dynamic limits engine and funds availability of deposits.
- Develops and maintains credit risk rules for deposit products to maximize both customer experience and overdraft loss savings
- Conducts data research projects end-to-end by integrating, aggregating, or reassembling information from a variety of database sources and systems by writing database queries in SAS, SQL, R or other database query languages.
- Identifies and analyzes acquisition, account management and portfolio performance trends using key indicators and techniques, using predictive credit risk models and other qualitative and quantitative methods.
- Builds and maintains performance reporting to monitor overall portfolio and risk strategy performance
- Supports the team by mentoring less experienced analysts and assisting with acquisition or overdraft projects as needed.
- Understands and communicates the impact of credit risk management strategies, research, and outcomes in support of initiatives and proposals, as aligned to key business, product and consumer drivers.
- Bachelor's degree, or equivalent work experience
- 10 or more years of applicable experience
- Applicable professional certifications
- Advance degree in business, computer science, economics, finance, or statistics
- Experience in developing credit risk strategies for deposit or unsecured products
- Advanced knowledge of SAS, SQL, R, Python, or other database programming languages
- Experience working with large datasets
- Data visualization skills with Tableau or PowerBI
- Effective verbal, written and presentation communication skills
- Effective technical report writing skills
- Ability to work independently with minimal guidance from manager
If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):
Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
EEO is the Law
U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $116,280.00 - $136,800.00 - $150,480.00U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.Job Summary
Full Time
Banking
$72k-101k (estimate)
04/16/2024
04/16/2024
usbank.com
CINCINNATI, OH
>50,000
1863
ANDREW CECERE
$10B - $50B
Banking
Related Companies
About U.S. Bank National Association
U.S. Bancorp, with nearly 70,000 employees and $554 billion in assets as of December 31, 2020, is the parent company of U.S. Bank National Association, the fifth-largest commercial bank in the United States. The Minneapolis-based bank blends its relationship teams, branches and ATM network with digital tools that allow customers to bank when, where and how they prefer. U.S. Bank is committed to serving its millions of retail, business, wealth management, payment, commercial, corporate, and investment customers across the country and around the world as a trusted and responsible financial partn...er. This commitment continues to earn a spot on the Ethisphere Institutes Worlds Most Ethical Companies list and puts U.S. Bank in the top 5% of global companies assessed on the CDP A List for climate change action. Visit usbank.com for more.
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The job skills required for Credit Risk Analyst include Risk Management, Credit Risk, Initiative, Presentation, Communication Skills, Economics, etc. Having related job skills and expertise will give you an advantage when applying to be a Credit Risk Analyst. That makes you unique and can impact how much salary you can get paid. Below are job openings related to skills required by Credit Risk Analyst. Select any job title you are interested in and start to search job requirements.
The following is the career advancement route for Credit Risk Analyst positions, which can be used as a reference in future career path planning. As a Credit Risk Analyst, it can be promoted into senior positions as a Letter of Credit Officer that are expected to handle more key tasks, people in this role will get a higher salary paid than an ordinary Credit Risk Analyst. You can explore the career advancement for a Credit Risk Analyst below and select your interested title to get hiring information.
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