Retail Risk Analyst
National Commercial Bank
مجموع سنوات الخبرة :12 years, 6 أشهر
•Monitor performance of the consumer loan portfolio and report on emerging risks.
•Identify all unique portfolio segments and provide line of sight into performance trends.
•Perform credit loss forecast and reserving analysis.
•Develop benchmarks and track performance of any credit expansion tests to ensure the portfolio growth and profitability within risk tolerances.
•Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues as well as assumes accountability for high quality recommendations regarding the credit portfolio.
Execute root cause statistical analysis to identify performance drivers and the associated opportunities with retail lending lines of businesses.
•Perform ad hoc research to support credit policy and provide strategy recommendations.
•Participates in Risk based Collections strategy projects, including measurement and monitoring of performance.
•Participate in developing score modeling.
•Manage the health of the Personal Finance portfolio to identify emerging segments to optimize viable business opportunities as well as to curb risky segments.
•Participate on risk related decisions.
•Evaluate risk, which involves comparing estimated risks with criteria established by the bank and evaluate previous handling of risks.
•Recommends financial actions by analyzing accounting options.
•Summarizes financial status by collecting information; preparing balance sheet, profit and loss statement, and other reports.
•Maintains accounting controls by preparing and recommending policies and procedures.
•Reconciles financial discrepancies by collecting and analyzing account information.
•Carry out billing, collection and reporting activities according to specific deadlines
•Perform account reconciliations
•Develop a recovery system and initiate collection efforts
•Assist with month-end closing