Develop, maintain and monitor various system applications to ensure capability, functionality and accuracy of information reported through both interpretation and analysis. Responsible for data preparation, data analysis, campaign execution, report building, etc. Work with other staff members to satisfy ad-hoc analysis needs. Analyze, recommend, and initiate business solutions to meet business and client needs.
Essentail Functions:
Maximize the success of existing credit bureaus, data verification sources, and marketing channels by acting as primary day-to-day contact for compliance and execution.
Recognize and troubleshoot problems with data sources and marketing channels, identify new component innovations, and complete data studies to refine existing scorecards for optimal performance. Suggest changes to better optimize customer acceptance against risk exposure.
Maintain appropriate reporting risk management effectiveness within each loan portfolio as well as for specific marketing channels and campaigns. This includes the analysis of application trends, risk assesment, management reporting, financial/operational reporting, and compliance reporting. Reporting maintained to generate weekly, monthly, quarterly, and annual results as required.
Review samples of bad loans to determine trends and characteristics to create new underwriting rules, prescreens, and procedures. Regular analysis of Key Performance Indicators (KPI) including, specific denial code analysis. Closely monitor marketing channels and conduct campaign optimization to ensure desired results are achieved.
Document and maintain all procedures, scorecards, underwriting steps, and modifications to marketing campaigns and channels. Perform routine auditing to ensure 3rd party underwriting vendors maintain data integrity and compliance. Maintain activity log and specific details regarding underwrting procedural changes. Work with operations teams and training staff to implement new underwriting or verification procedures and guidelines.
Track results through reviews of KPI changes.
Skills Required
Skills:
Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Writing - Communicating effectively in writing as appropriate for the needs of the audience.
Speaking - Talking to others to convey information effectively.
Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
Credit Scoring & Modeling - Understanding of predictive modeling and credit scoring methodologies.
Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.
Attributes:
Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
Written Comprehension - The ability to read and understand information and ideas presented in writing.
Written Expression - The ability to communicate information and ideas in writing so others will understand.
Speech Clarity - The ability to speak clearly so others can understand you.
Speech Recognition - The ability to identify and understand the speech of another person.
Experience and Education:
Bachelor's Degree - Finance, Economics, or related field
0 - 2 years experience, credit risk or financial services
Computer Software/Hardware:
Microsoft Word, Excel, PowerPoint, and Outlook
Access or other database software packages
Underwriting software, database programming language e.g. VBA, Lua, SQL
SAS or other analytics software packages
Physical Requirements:
Must be able to stand and sit for long periods of time, talking, hearing constantly.
Occasionally lift up to 10 lbs
Must be able to sit in front of computer monitor(s) daily
Noise level - moderate noise level daily in an office atmosphere
Company Name: Cane Bay Partners VI, LLLP
Company Description:
Cane Bay Partners VI, LLLP was formed in June 2009 and founded by four internationally experienced business executives with over 70 years combined experience. Focusing our efforts primarily in the financial services industry, our management consulting practice specializes in providing services to clients in need of sophisticated risk management models, debt collections organizations which require liquidation models and analytics, and portfolio management companies desiring a variety of services. More specifically, our practice has elected to specialize in three areas where we believe our core competencies reside: (1) management consulting (2) risk management/underwriting and (3) service provider analysis (herein referred to as “marketing”).
Cane Bay Partners VI, LLLP is an Equal Opportunity Employer.
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