Credit Review

This role offers you exposure to senior executives outside of Internal Audit and across the firm, providing a unique opportunity to grow and develop your career.

Job Responsibilities:

• Develop, manage, and deliver credit review plan coverage, execution, and escalating emerging issues to senior management in a timely fashion.
• Performing continuous monitoring of assigned portfolios to assess credit risk trends, credit performance, business activities, industry events, and regulatory changes for identification of emerging themes and impacts to credit quality.
• Lead reviews that include working with large datasets, model-driven risk strategies, and analyzing the credit underwriting quality of each transaction and risk strategies.
• Contributing to the resolutions of complex issues, providing credible challenge, and articulating results and themes to management and senior-level stakeholders.
• Develop and managing relationships with senior leaders and stakeholders while maintaining independence.
• Prioritize diversity & inclusion by creating an environment where all team members are able to contribute to their full potential.
• Communicate using verbal and written communication and interpersonal skills required with ability to present complex issues to management.
• Lead a team in reviews of assigned portfolios. This includes chairing meetings associated with planning, project kick-off, presentation of findings, and formal closing.
• Coordinate team assignments, defining review scope and testing approach, analyzing the credit underwriting quality of individual and automated transactions, recording test results and conclusions in a work paper database, and participating actively in all review meetings.

Required Qualifications, Capabilities, and Skills:

• Experienced credit professional with a minimum of 7 years in credit card services.
• Bachelor's degree in Accounting, Finance, Economics, or a related discipline.

Preferred Qualifications, Capabilities, and Skills:

• Background in consumer credit underwriting, quality assurance, and/or credit risk management.
• Proficiency with analytics toolsets including databases, Tableau, and data visualization applications.
• Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to take personal risk, responsibility, and accountability.
• Proven ability and desire to learn quickly, be adaptable, and think strategically.
• Understanding of how to employ data analytics to monitor and assess credit portfolios.
• Demonstrated understanding of credit risk management, retail credit principles, financial analysis, and advanced analytical skills.
• Knowledge of current banking laws, regulations, and regulatory guidance related to lending and credit risk.