Business Intelligence Analyst (Financial Risk)
YOUR LIFE'S MISSION: POSSIBLEYou have goals, dreams, hobbies and things you're passionate about.What's Important to You Is Important to UsWe're looking for people who not only want to do meaningful, challenging work, keep their skills sharp and move ahead, but who also take time for the things that matter to them"A cents € friends, family and passions. And we're looking for team members who are passionate about our mission"A cents € making a difference in military members' and their families' lives. Together, we can make it happen.Don't take our word for it.FORTUNE 100 Best Companies to Work ForA' (R)ComputerworldA' (R) Best Places to Work in ITFORTUNEA' (R) Best Workplaces for MillennialsForbesA' (R) America's Best EmployersBasic PurposeNavy Federal is seeking a creative, technical and data analytics leader to join the Lending Analytics Business Intelligence and Data Science team. This senior analyst will provide actionable business intelligence in consultation with management and business units for use in strategic decision making around credit risk management. Leverage various data analytics tools including Tableau, PowerBI, SQL, SAS/R/Python and Azure Databricks to translate data into insights. Join the team that is responsible for the analysis around credit risk management, optimal pricing, profitability, identifying emerging risk trends, monitoring portfolio performance and making recommendations to drive strategic change in lending.To perform financial analysis and modeling that maximizes profits and asset growth and minimizes operating losses and other risk exposures. Provide analytical support for various business strategies to ensure Navy Federal goals are met. Utilize and adapt financial models and simulation scenarios to optimize business performance and manage strategic risk exposure. Assist with the production of performance reports to management. Work under moderate supervision.Responsibilities:Develop and optimize risk strategies and credit guidelines that drive portfolio growth while ensuring that portfolios operate within boundaries of acceptable riskCreate and maintain a suite of state-of-the-art Tableau dashboards geared for informing management about business performance and risk/loss mitigationBuild models to evaluate and optimize business strategies across the lifecycle of products/servicesConduct 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 positionProactive research in identifying emerging risk trends by leveraging multi-segmentation, analyzing risk multipliers and incorporating new alternative data assetsObtain quantitative and qualitative data of business processes to analyze, determine and promote data driven decisionsBuild new and/or modify existing database/data warehouse/data mart and business intelligence solutions to meet business and system requirementsProvide financial modeling to evaluate and predict profitability and performance of products and/or servicesOptimize and recommend pricing strategies for products and services using mathematical modeling techniquesDevelop predictive modeling projects using data mining techniques for analyzing current and future performanceCollect and analyze data; synthesize results of analyses, develop and make recommendations and alternatives based on the full spectrum of internal/external considerationsPartner with other departments on the adoption and training of Mission Data cloud data lake including Azure Databricks, DevOps, PowerBI and Azure technology stackCreate financial reports based on the impact of predictive modeling assumptionsDevelop various financial models and provide cost-benefit analyses for business and strategic opportunities, market share, and profitabilityDevelop and test multiple hypotheses using results from analyses to generate and answer new questions leading to more in-depth understanding of business issue(s) being studiedEvaluate/develop/implement analytical techniques and best practices to gain a competitive advantageCoordinate the production of performance reports for managementServe as SME regarding product optimization and risk evaluationsUtilize regression techniques/back testing to identify variances and/or deviations from forecastsIdentify existing and new issues pertaining to compliance with state and federal regulations to ensure necessary policies, strategies and procedures are implementedAnalyze and evaluate competitor data and industry trends to understand current business unit competitive posturePerform other duties as assigned or appropriateQualifications:Bachelor's Degree in a related field, or the equivalent combination of training, education and experienceHands on experience with data analytics, BI development experience in building visual reports and dashboards with Tableau or Microsoft Power BI, experience connecting to various data sources, importing and transforming dataExperience in financial modeling, forecasting, cost benefit analysis and cash-flow analysisWorking knowledge of statistical methods such as linear and logistic regression, neural networks, decision trees, time-series and forecasting, K-means clustering, survival analysis, etc.Working knowledge of mathematical optimization techniques such as linear and mixed-integer programming, including experience in stochastic optimizationStrong SQL skills; experience with data management and analysisExpert database/data science software skills, including SPSS Modeler, SAS, JMP, Cognos, Tableau, Teradata SQL Assistant, WinSQL, SSMSExperience in statistical/risk modeling and forecasting preferably related to financial servicesEffective skill in building and maintaining financial models, and perform comparative financial modeling using pertinent industry analysis and current assumptionsEffective skill researching and analyzing data, processes and trendsExperience in working with diverse internal and external contactsEffective analytical/quantitative, reconciliation and deductive reasoning skillsEffective research, analytical, and problem solving skillsEffective skill building effective relationships through rapport, trust, diplomacy and tactEffective skill exercising initiative and using good judgment to make sound decisionsEffective skill presenting findings, conclusions, alternatives and information clearly and conciselyEffective verbal and written communication skillsEffective database and presentation software skillsEffective word processing and spreadsheet software skillsDesired - Master's Degree in a related field, or the equivalent combination of training, education and experienceDesired - CFA (Chartered Financial Analyst)Desired - FRM (Financial Risk Manager)Desired - lending and financial industry knowledgeHours: Monday - Friday, 8:00AM - 4:30PM (Flexible)Location: Greater Pensacola Operations 5550 Heritage Oaks Drive Pensacola, FL. 32526 Headquarters 820 Follin Lane Vienna, VA. 22180As a COVID-19 safety measure, our employees must either provide proof of COVID-19 vaccination or follow additional safety protocols, including testing.Due to COVID-19 and social distancing, this position may require working from home temporarily with plans to return to campus at the location listed once Navy Federal is back to normal operations. The specific logistics for returning to campus will be determined at a future date by individual leadershipPay Range: $70,200 - $121,300Equal Employment OpportunityNavy 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/DisabilityDisclaimerNavy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position.Bank Secrecy ActRemains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.Employee ReferralsThis position is eligible for the TalentQuest employee referral program. Please indicate the employee who referred you when applying.