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Consumer Product Strategic Analyst IV

Company: Bank of America
Location: Jacksonville
Posted on: November 22, 2021

Job Description:

Job Description:Main Job Goal: - Create, interpret and manage credit strategies and analytics for Consumer Vehicle secured lending. - Key functions include:

  • Recommend credit strategy enhancements to optimize risk reward tradeoff for secured vehicle lending within the approved risk appetite (Responsible Growth).
  • Responsible for developing system requirements to support strategy changes, implementation (review and approve design, testing), develop and present training of Credit Strategy Changes for Consumer Products.
  • Develop and manage approved changes through tech. process including Intake, UCRA, UAT support - may -get involved in testing results and use case development, may require procedure review and documentation. -
  • Work closely with Credit Risk, Underwriting, Funding, Process Design, Business Controls -and Compliance partners to execute Credit Strategy Development and Management; and identify, address and resolve issues.
  • Leverage quantitative tools and techniques to systemically assess loan originations for credit risk concerns, trends and risk direction in regards to established Strategy Metrics/limits and concisely report concerns to leadership in a timely manner through established governance routines.
  • Knowledge of enterprise decision strategy and model governance processes. Required Skills:
    • 4+ Years in a Financial Business Setting, Risk Management or Risk/Marketing Analytics type functional role.
    • Ability to develop statistical or quantitative output using appropriate tools (ex SAS, SQL, Python/R, H2O, similar) for identifying and optimizing key business metrics of credit default or prepayment risk with a proven ability to mine large datasets, interpret results and communicate findings candidly and crisply to leadership.
    • A solid working knowledge of statistical and/or financial modeling/analyses and the proven ability to apply that knowledge to business data and strategies to independently draw empirically based conclusions.
    • Ability to independently manage and defend quantitative analytics with sound documentation of assumptions, limitations, conclusions and recommendations.
    • Strong influencing, negotiation, persuasion, time management, written and verbal communication skills.
    • Bachelor's degree in a quantitative discipline. Desired Skills:
      • 5+ years Credit Strategy Management experience preferred.
      • Master's degree in a quantitative discipline.
      • Strong written and verbal communication skills
      • Strong understanding of general financial concepts (ROE, ROA, RAS, RANIM, etc---) and working knowledge of Consumer or Small Business Lending
      • Proven history of good planning and process management skills, able to run several analytical projects independently at the same time, generate results and prioritize within given guidelines.Job Band:H4Shift: -1st shift (United States of America)Hours Per Week:40Weekly Schedule:Referral Bonus Amount:0 --> Job Description:Main Job Goal: - Create, interpret and manage credit strategies and analytics for Consumer Vehicle secured lending. - Key functions include:
        • Recommend credit strategy enhancements to optimize risk reward tradeoff for secured vehicle lending within the approved risk appetite (Responsible Growth).
        • Responsible for developing system requirements to support strategy changes, implementation (review and approve design, testing), develop and present training of Credit Strategy Changes for Consumer Products.
        • Develop and manage approved changes through tech. process including Intake, UCRA, UAT support - may -get involved in testing results and use case development, may require procedure review and documentation. -
        • Work closely with Credit Risk, Underwriting, Funding, Process Design, Business Controls -and Compliance partners to execute Credit Strategy Development and Management; and identify, address and resolve issues.
        • Leverage quantitative tools and techniques to systemically assess loan originations for credit risk concerns, trends and risk direction in regards to established Strategy Metrics/limits and concisely report concerns to leadership in a timely manner through established governance routines.
        • Knowledge of enterprise decision strategy and model governance processes. Required Skills:
          • 4+ Years in a Financial Business Setting, Risk Management or Risk/Marketing Analytics type functional role.
          • Ability to develop statistical or quantitative output using appropriate tools (ex SAS, SQL, Python/R, H2O, similar) for identifying and optimizing key business metrics of credit default or prepayment risk with a proven ability to mine large datasets, interpret results and communicate findings candidly and crisply to leadership.
          • A solid working knowledge of statistical and/or financial modeling/analyses and the proven ability to apply that knowledge to business data and strategies to independently draw empirically based conclusions.
          • Ability to independently manage and defend quantitative analytics with sound documentation of assumptions, limitations, conclusions and recommendations.
          • Strong influencing, negotiation, persuasion, time management, written and verbal communication skills.
          • Bachelor's degree in a quantitative discipline. Desired Skills:
            • 5+ years Credit Strategy Management experience preferred.
            • Master's degree in a quantitative discipline.
            • Strong written and verbal communication skills
            • Strong understanding of general financial concepts (ROE, ROA, RAS, RANIM, etc---) and working knowledge of Consumer or Small Business Lending
            • Proven history of good planning and process management skills, able to run several analytical projects independently at the same time, generate results and prioritize within given guidelines.Job Band:H4Shift: -1st shift (United States of America)Hours Per Week:40Weekly Schedule:Referral Bonus Amount:0 Job Description: Main Job Goal: - Create, interpret and manage credit strategies and analytics for Consumer Vehicle secured lending. - Key functions include:
              • Recommend credit strategy enhancements to optimize risk reward tradeoff for secured vehicle lending within the approved risk appetite (Responsible Growth).
              • Responsible for developing system requirements to support strategy changes, implementation (review and approve design, testing), develop and present training of Credit Strategy Changes for Consumer Products.
              • Develop and manage approved changes through tech. process including Intake, UCRA, UAT support - may -get involved in testing results and use case development, may require procedure review and documentation. -
              • Work closely with Credit Risk, Underwriting, Funding, Process Design, Business Controls -and Compliance partners to execute Credit Strategy Development and Management; and identify, address and resolve issues.
              • Leverage quantitative tools and techniques to systemically assess loan originations for credit risk concerns, trends and risk direction in regards to established Strategy Metrics/limits and concisely report concerns to leadership in a timely manner through established governance routines.
              • Knowledge of enterprise decision strategy and model governance processes. Required Skills:
                • 4+ Years in a Financial Business Setting, Risk Management or Risk/Marketing Analytics type functional role.
                • Ability to develop statistical or quantitative output using appropriate tools (ex SAS, SQL, Python/R, H2O, similar) for identifying and optimizing key business metrics of credit default or prepayment risk with a proven ability to mine large datasets, interpret results and communicate findings candidly and crisply to leadership.
                • A solid working knowledge of statistical and/or financial modeling/analyses and the proven ability to apply that knowledge to business data and strategies to independently draw empirically based conclusions.
                • Ability to independently manage and defend quantitative analytics with sound documentation of assumptions, limitations, conclusions and recommendations.
                • Strong influencing, negotiation, persuasion, time management, written and verbal communication skills.
                • Bachelor's degree in a quantitative discipline. Desired Skills:
                  • 5+ years Credit Strategy Management experience preferred.
                  • Master's degree in a quantitative discipline.
                  • Strong written and verbal communication skills
                  • Strong understanding of general financial concepts (ROE, ROA, RAS, RANIM, etc---) and working knowledge of Consumer or Small Business Lending
                  • Proven history of good planning and process management skills, able to run several analytical projects independently at the same time, generate results and prioritize within given guidelines. Shift:1st shift (United States of America) Hours Per Week: -40

Keywords: Bank of America, Jacksonville , Consumer Product Strategic Analyst IV, Professions , Jacksonville, Florida

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