Remote - Senior Credit Risk Analyst

What does a Senior Credit Risk Analyst do at Green Dot? 

Working with the credit and financial risk manager, the credit risk analyst must have practical knowledge of financial analysis, risk assessment, and credit decision-making. This includes GAAP knowledge, an understanding of financial statements and ratios, experience analyzing financial information, developing financial analyses, and interpreting and applying company credit policy standards, as well as various trend and portfolio segment reporting in support of the Holding Company and the Bank’s internal and external regulatory reporting requirements. Any data analytics experience is a plus, i.e., SQL querying using platforms like Power BI, Tableau, and R programming language. 

You will be part of the TPRM (Third Party Risk Management) team responsible for ensuring adherence to regulatory guidance for managing outsourcing risk. This is consistent with executive management’s commitment to maintaining a high standard of compliance with all applicable laws and regulations and overall sound risk management. The team works collaboratively with various stakeholders across the organization to execute an enterprise-wide, risk-based approach to identifying, measuring, and managing the various types of third-party partners’ risk exposure to the organization.  

As a Credit Risk Analyst, you can look forward to: 

• Providing dedicated support to the onboarding and overseeing critical credit and financial risk third-party relationships. 

• Developing or assisting in enhancing new and ongoing due diligence processes to ensure control effectiveness of each applicable risk of Green Dot partners. 

• Performing specific financial risk and other credit risk assessments as part of, and separate from, overall third-party risk assessments. 

• Partnering and coordinating closely with internal stakeholder areas (i.e., Information Security, BSA/AML, Compliance, Finance, Vendor Risk, etc.) to facilitate and evaluate third-party partner relationships. 

• Performing periodic monitoring activities to support the mitigation of risks resulting from the implementation of new third parties and those risks of existing third parties, as well as support other company mitigation plans, as applicable. 

• Maintaining accountability for accuracy and completeness within the TPRM’s dedicated record system. 

• Advising on contractual language to align with financial industry FFIEC and FRB interagency guidelines. 

• Assisting with regulatory, internal, or other third-party audit requests. 

• Prepare regular reporting on service levels and risk exposure for all related TPRM committees and working groups and prepare reports upon other requests. 

• Communicating with business units and cross-functional teams regarding significant third-party events and escalating to senior management when applicable.  

• Contributing to highly collaborative team discussions to support ongoing program enhancements while promoting a positive and energetic team culture. 

• May assist with various ad hoc projects supporting program enhancements, process improvements, and other organizational needs. 

• Perform other duties as needed. 

Ready to join us in our mission? These are the qualifications we are looking for: 

Required: 

• Bachelor’s degree in finance, accounting, or related field

• Minimum 3 years of experience in an information security, risk, compliance, credit or audit-related job discipline, including but not limited to: third-party risk, financial risk, credit risk, vendor risk, enterprise risk, audit, insurance, information security GRC (governance, risk, and compliance) and/or compliance management 

• Understanding of critical governance, risk, and compliance concepts relating to third-party risk and related guidance 

• Strong ability to influence others to adhere to third-party policies. Ability to partner with businesses to build consensus. Strong analytical skills and a demonstrated aptitude for thinking creatively 

• Ability to effectively prioritize and maintain focus on multiple tasks while working in a team environment with a diverse set of stakeholders 

• Excellent written, oral and presentation skills and an ability to synthesize information to assist in making clear, concise recommendations on courses of action or mitigation 

• Demonstrates aptitude for identifying and interpreting third-party risks and mitigating controls including key contract terms, necessary oversight, deliverables and obligations 

• Ability to work both independently and as part of a team to deliver quality work product in a timely fashion in a fast-paced environment 

• Ability to build and maintain effective working relationships at all levels of an organization 

• Strong business ethics surrounding access to confidential information 

Preferred: 

• Understanding of GRC (governance, risk, compliance) methodologies, tools (e.g. LogicGate, MicroStrategy ServiceNow etc.) and enablers 

• Financial Industry, Banking, or Insurance experience