Industry: Accounting, Finance & Insurance•
Less than 5 years
Posted 107 days ago
At First National, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.
Exempt | Monday Through Friday
Development and Monitor predictive models and analyze business problems with recommendations to current strategies. Create and Validate attributes from raw bureau data. Ensure compliance with FNNI Model Governance Policy and all other applicable laws and regulations.
1)????? Develop and?monitor credit risk and?targeting models utilized in both new account acquisition and portfolio management, with the use of advanced statistical techniques (i.e., logistic regression, time series, linear regression, etc.). Insure that:
a)????? The scoring model rank orders prospects, applicants, or existing customers according to target
b)????? Model performance remains consistent over time.
c)????? Variables used in credit scoring models comply with applicable regulations regarding credit underwriting.
d)????? Regulatory exams, independent audits, and compliance reviews have satisfactory results.
2)????? Create credit bureau attributes by utilizing credit data from Experian, Equifax and Trans Union to evaluate applicants’ credit worthiness.
a)????? Discover opportunities for new credit attributes and maintain existing ones to add value in policy and predictive modeling. ?
b)????? Maintain attribute governance to ensure attribute documentation stand up to compliance and regulatory audits.
c)????? Communicate with Decision Engines team to assure correct and timely implementation for the attributes.
3)????? Research the industry best practice in modeling and business analytics.
4)????? Be able to explain complex and difficult solutions to business users and serve as a resource to colleagues.
5)????? Exhibit professional behavior and promote positive working relationships.
6)????? Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program.
An incumbent in this role may be assigned to work at either FNBO branch location in Plano, Texas, in Frisco, Texas, or in Omaha, Nebraska.
1.?????Master’s Degree in Statistics or Economics required
2.?????Minimum of three (3) years of working experience in data modeling or analytics required?
1.??? Experience in credit card analytics
2.???? Experience working with credit bureau files
3.?????Knowledge in model development, validation, monitoring and?governance
4.?????Advanced skills with SAS, R, or other statistical packages.
5.?????Demonstrate excellent oral and written communication skills
6.?????Demonstrate the ability to handle stress, meet deadlines and work independently
7.?????Demonstrate the ability to drive meeting agendas and prioritize team workloads / project prioritization based on departmental goals