Credit Card Credit Risk Analyst, Vice President
- Requisition # 10041004-WD
- Job Type Day
- Location Bellevue, WASHINGTON
- Date Posted 03/05/2021
Your potential. Your opportunity.
Are you passionate about creating an exceptional client
Discover your opportunity with Union Bank, a division of the
Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial
group in the world. At Union Bank, we care about the details that
matter most to our clients. We have our clients' best interest in
mind, drawing on more than 150 years of experience to understand
their distinct needs and tailor our solutions. We're part of
180,000 colleagues around the globe striving to be the world's most
trusted financial group. Trust starts with a culture of putting
people first and empowering you to achieve your potential. Join
Union Bank, where being inspired is expected and creating results
Reporting to the Unsecured Consumer Lending Portfolio Risk
Manager, this position is responsible for conducting comprehensive
and empirically supported risk assessment of credit policies and
portfolio segments in an effort to identify and quantify risk
exposure and enhance existing Credit Strategies. Support risk
analysis of business initiatives to optimize opportunities within
established risk tolerances and support business growth.
Participate in an ongoing effort to improve controls and monitoring
of the credit strategies.
25% Leverage analytical skills in the development and evaluation
of Credit Cards Underwriting Strategies (Acquisition, Line
Maintenance, Collections). Utilizing SAS/SQL and other data
analysis tools to identify key drivers and segmentations to enhance
efficiency. Present and review proposals with senior
25% Participate in recurring and ad-hoc risk analysis for
comprehensive evaluation of portfolio risk. Develop recommendations
for remediation in partnership with other business leaders. Present
findings and recommendations to senior business leaders. Facilitate
meetings and foster collaboration of others to manage
implementation of business strategies.
20% Conduct assessments of proposed business initiatives,
focusing on credit risk assessment. Identify, collect and analyze
necessary data for effective risk evaluation and profile of risk
characteristics. Collaborate with finance and other business
partners in business case development and initiative assessment.
Provide post implementation reporting and analysis of actual
performance relative to original projections.
20% Provide support for ongoing risk management reporting and
assessment of key risk indices. Assess vintage performance of
policy exceptions, business channels, products, customer
relationship profiles, account management strategies and geographic
segments. Support development of new risk mitigation strategies in
unstructured environment. Collaborate with other cross functional
team members to develop recommendations.
10% Develop and maintain controls to ensure that Credit
Strategies comply with applicable regulations and Bank
Knowledge, Skills, Abilities:
- Advanced data management skills, utilizing SAS/SQL or other
programming language is required.
- Excellent problem solving skills, with ability formulate
strategy recommendations in unstructured environment.
- Ability to interact with senior managers within the
organization, communicating observations and recommendations.
- Effective project management skills with ability to manage time
across concurrent projects.
- Ability to effectively collaborate and partner with other
business units to solve business issues.
Education, Licensure, Experience:
- 5+ years experience in Credit Risk or other consumer finance
related industry is required.
- Master's degree preferable in mathematics, applied statistics,
economics or finance is required.
- Knowledge of advanced statistical concepts and tools (such as:
Knowledge Seeker/R, etc) is preferred.
- Ability to communicate effectively, both verbally and in
writing with all levels of bank personnel, including senior
- Advanced PC skills in MS Excel, Word, PowerPoint is
The above statements are intended to describe the general nature
and level of work being performed. They are not intended to be
construed as an exhaustive list of all responsibilities duties and
skills required of personnel so classified.
We are proud to be an Equal Opportunity / Affirmative Action
Employer and committed to leveraging the diverse backgrounds,
perspectives, and experience of our workforce to create
opportunities for our colleagues and our business. We do not
discriminate in employment decisions on the basis of any protected
A conviction is not an absolute bar to employment. Factors such
as the age of the offense, evidence of rehabilitation, seriousness
of violation, and job relatedness are considered in all employment
decisions. Additionally, it's the bank's policy to only inquire
into a candidate's criminal history after an offer has been made.
Federal law prohibits banks from employing individuals who have
been convicted of, or received a pretrial diversion for, certain