Sr. Credit Risk Policy Analyst - Work from home United States at Flagstar Bank, N.A. in Des Moines, Iowa

Job Description:

Position Title
Sr. Credit Risk Policy Analyst - Work from home United States

Location
Work From Home United States

Job Summary
The Credit Risk Policy Analyst Sr assists in the effort to ensure Flagstar creates and maintains all necessary policies, procedures, and guidelines consistent with the credit risk appetite to mitigate and manage credit risk across the organization. Assist the Credit Policy Manager in the oversight of credit risk related system management, including providing training, assisting with requesting credit policy documents and SharePoint access. Assist in the credit risk department in internal or external auditor requests, internal loan reviews, or other departmental request as appropriate.

Pay Range - $73,000 - $95,000 - $117,000 USD

Pay Range: Local Minimum Wage - $0.00 - $0.00

Job Responsibilities:

• Assist the Credit Risk Policy Manager in the creation and maintenance of all credit risk policy, procedure, and guidelines in compliance with Legal, Compliance, ERM, and other departmental processes. Develop excellent working relationships across the organization to ensure that credit risk owned policies, procedure and guidelines are written, approved, communicated, and implemented appropriately.


• Maintain a strong working knowledge of credit policy related software and systems (such as MS Office, MS Word, SharePoint and Power Automate). Assist in the creation and execution of project plans to address any gaps in the policy governance process. Assist in the creation of credit risk system training materials to help ensure employees are aware of the most up-to-date credit risk policy, procedures, guidelines, and credit risk related systems as appropriate.


• Assist in the response to internal and external auditor requests, including performing any internal SOX related controls or assisting the credit risk department to remain in compliance with all Legal, Compliance, and other departmental guidelines / requirements.


• Assist the credit department as needed in inter-departmental projects or administrative duties, such as new credit employee on-boarding assistance and credit risk departmental communications.


• Uses independent judgement and discretion to make decisions about credit risk related policies, procedure, guidelines and systems, when appropriate.


• Analyzes and resolves problems pertaining to credit risk related policies, procedure, guidelines and systems, when appropriate.

ADDITIONAL ACCOUNTABILITIES

• Performs special projects, and additional duties and responsibilities as required.


• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

JOB REQUIREMENTS

Required Qualifications:

• Education level required: Undergraduate Degree (4 years or equivalent) or equivalent related work experience


• Minimum experience required: 5+ Years of credit risk related experience including credit policy, procedure or guideline creation, commercial CRE and C&I underwriting or lending, loan review or other similar credit risk experience.

Preferred Qualifications:

• Education level preferred: Master's Degree (or Postgraduate equivalent).


• Experience with the Microsoft Office suite of products, including SharePoint and Power Automate.

Job Competencies:

• Excellent knowledge of credit risk activities.


• Excellent written and verbal communication and presentation skills.


• Experience writing policies, procedure and guidelines is highly preferred.


• Proficient with Microsoft Office software.


• Minimal travel required (up to 5% of time)


• Physical demands (ADA): No unusual physical exertion is involved.