Senior Credit Risk Analyst (Lending Analytics)

Location: VA Vienna - Headquarters Full/Part Time: Full-Time Regular/Temporary: Regular

Job Description

Employee Perks

Why You Will Love Being Part of the Navy Federal Team:

*Competitive compensation with opportunities for annual raises, promotions, and bonus potential
*Best-in-Class Benefits! (7% 401k match / Pension plan / Tuition reimbursement / Great insurance options)
*On-site amenities include fitness center, wellness center, cafeteria, etc. at Pensacola, FL; Vienna, VA and Winchester, VA campuses
*Consistently Awarded Top Workplace
*Nationally recognized training department by TRAINING Magazine IND123
*An employee-focused, diverse, and service-oriented workplace environment

Basic Purpose

Perform financial analysis and modeling that maximizes profits and asset growth and minimizes operating losses and other risk exposures for lending portfolios. Provide analytical support for various business strategies to ensure Navy Federal goals are met. Utilize and adapt financial models to optimize business performance and manage strategic risk exposure. Assist with the production of portfolio performance reports to management. Work under moderate supervision.


* Develop and optimize credit risk strategies and underwriting guidelines that drive portfolio growth while ensuring that portfolios operate within boundaries of acceptable risk
* Build models to evaluate and optimize business strategies across the lifecycle of credit products/services
* Conduct statistical / financial analysis on internal and external market data to discover the tradeoffs of competing business objectives such as growth, profitability, market share and competitive position
* Provide financial modeling to evaluate and predict profitability and performance of products and/or services
* Optimize and recommend pricing strategies for products and services using mathematical modeling techniques
* Develop predictive modeling projects using data mining techniques for analyzing current and future performance
* Create financial reports on portfolio performance for management
* Perform ad-hoc analysis according to business user's needs
* Evaluate/develop/implement analytical techniques and best practices to gain a competitive advantage
* Make presentations of modeling and analysis results to non-technical audience of various levels 
* Perform other duties as assigned or appropriate

Qualifications – All required unless otherwise noted:

* Master’s Degree in a related field (Finance, Statistics, Mathematics, Operations Research, Economics, Engineering), or the equivalent combination of training, education and experience
* Experience in credit risk modeling, lending portfolio analysis, financial modeling, forecasting, cost benefit analysis and cash-flow analysis 
* Working knowledge of statistical methods such as linear and logistic regression, decision trees, time-series and forecasting etc.  
* Basic skills in statistical methods/mathematical techniques and related analytical/data collection tools such as SAS, R, Python, SQL, JMP, etc. 
* Experience in statistical/risk modeling and forecasting preferably related to financial services (auto loans, mortgage servicing, mortgage banking, etc.) 
* Effective skill in building and maintaining financial models, and perform comparative financial modeling using pertinent industry analysis and current assumptions 
* Effective skill researching and analyzing data, processes and trends 
* Experience in working with diverse internal and external contacts 
* Effective analytical/quantitative, reconciliation and deductive reasoning skills 
* Effective research, analytical, and problem solving skills 
* Effective skill building effective relationships through rapport, trust, diplomacy and tact 
* Effective skill exercising initiative and using good judgment to make sound decisions  
* Effective skill presenting findings, conclusions, alternatives and information clearly and concisely
* Effective verbal and written communication skills 
* Effective database and presentation software skills 
* Advanced word processing and spreadsheet software skills
* Desired - Working knowledge of mathematical optimization techniques such as linear and mixed-integer programming, including experience in stochastic optimization
* Desired - Knowledge of Navy Federal products, services, programs, policies and procedures

Monday-Friday, 8:00AM-4:30PM

Equal Employment Opportunity

Navy Federal values, celebrates, and enacts diversity in the workplace.  Navy Federal takes affirmative action to employ and advance in employment qualified individuals with disabilities, disabled veterans, Armed Forces service medal veterans, recently separated veterans, and other protected veterans.  EOE/AA/M/F/Veteran/Disability