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The Manager - Credit Risk will support Ameriprise Bank, FSB loan portfolios. This position will perform analyses for credit risk management and credit strategies, including new product development, origination and portfolio management, loss forecasting, and loss reserving.
Responsible for utilizing data from a variety of sources to analyze complex business issues. Incorporates company and industry knowledge, technological expertise, and sound analytical processes. Uses statistical analysis, modeling, and other quantitative techniques to answer business questions, identify issues, and recommend courses of action.
Analyzes lending portfolios to maximize profitability by managing risk exposure. Identify segments or acquisition channels/policies that have high risk exposure. Performs sensitivity analysis around key drivers of losses.
Serves as the provider of monthly Risk Management MIS and guidance as it relates to the portfolios. Presents results of analysis and/or recommendations to business managers, utility partners, and external partners. Communicates action plans and priorities to appropriate partners.
Forecasts credit losses for the Bank's portfolios (including Credit Card and Mortgage; others as assigned) to ensure alignment of charge-offs and loss reserves. Evaluates and validates the loss reserve methodology at least once annually. Reviews reserve methodology against industry performance as well as segmented performance of the Ameriprise portfolios.
Continuously monitors credit quality and practices including collections, foreclosures, and credit line management.
5+ years' consumer credit risk management or related analysis experience.
Bachelor's degree required.
Strong analytical abilities, including capability to build business cases and proposals.
Loss forecasting or loss reserving experience.
High degree of proficiency with statistical software, such as SAS, Python, etc.
Excellent project management and communication skills.
Ability to handle confidential and sensitive information with a high degree of integrity.
Experience with credit card and mortgage portfolios, analytics management.
Strong interpersonal skills, including teamwork, leadership, and influence management.
Willingness and ability to thrive in an ambiguous environment.