Manager I, Credit Risk

Overview

Manages, directs, and supervises staff to provide independent monitoring, analysis, and modeling to support the Credit Risk Strategy and Analytics function within Navy Federal's Credit Risk Management division (second line of defense). Manages a team of credit risk analysts that leverage member, financial, and organizational data to provide oversight of NFCU's lending activities and other areas of credit exposure to ensure effective identification, measurement, and monitoring of enterprise-wide credit risk. Collaborate with executive team to generate hypotheses and create analytics to identify actionable risk mitigation and business intelligence to support sustainable growth of NFCU's lending products. Identify and manage work assignments of high complexity, under minimal supervision with latitude for independent judgment. Advanced professional within field; requires high skill set and proficiency in discipline.

• Manage the development of an enterprise framework for management of credit risk including identification, analysis, measurement, control, and monitoring of risk
• Provide thought leadership and contribute to the development of dashboards, scorecards, and reports to support management and the executive team in its evaluation of enterprise credit risk
• Provide strategic input in regards to enterprise credit risk management, including analytical direction to practitioners
• Support the Enterprise Risk executive team by providing information for internal working groups, committees and other forums as needed
• Build working relationships with team members and subject matter experts
• Assess the credit risk associated with business strategies and opportunities; develop appropriate analytical approaches to provide credible and effective challenge
• Lead large and highly complex projects and initiatives
• Identifies meaningful insights from large data and metadata sources
• Collect and analyze data; synthesize results of analyses, develop and make recommendations and alternatives based on the full spectrum of internal/external considerations
• Develop and code moderately complex software programs, algorithms, and automated processes
• Use modeling and trend analysis to analyze data and provide insights
• Transform data into charts, tables, or format that aids effective decision making
• Utilize effective written and verbal communication to document and present findings of analyses to a diverse audience of stakeholders
• Provide professional development coaching and technical training to junior staff

• Minimum of 5-7 years of hands-on experience with credit risk assessments at a large financial institution.
• 1-3 years of supervisory experience
• Advanced experience in the application of statistical methods, mathematical techniques, forecasting, cost-benefit analysis and related analytical tools
• Advanced experience in problem resolution including determining root cause, scope and scale of issues
• Expert understanding of consumer lending businesses and operating environment
• Ability to understand, analyze and interpret government and financial industry regulations, related principles and practices, and company procedures and policies.
• Advanced experience with developing business scenarios and providing effective challenges to underlying assumptions.
• Advanced experience in managing multiple priorities independently and/or in a team environment to achieve goals
• Experience in demonstrating thought-leadership, initiative-taking, decision-making and creativity solving business problems
• Expert skill in programming languages (SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWS)
• Expert skill presenting findings, conclusions, alternatives and information clearly and concisely
• Advanced working knowledge of procedures, instructions, and validation techniques
• Bachelor's Degree in a quantitative discipline such as Finance, Economics, Mathematics, or related field or equivalent combination of training, education and experience, (Master's preferred)