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    Director - Credit Analytics - Washington, United States - Farmer MAC

    Farmer MAC
    Farmer MAC Washington, United States

    3 weeks ago

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    Description
    Job Description

    Job Description

    As the Director, Credit Analytics, you will lead Farmer Mac's credit analytics function, which primarily consists of:

    Credit Risk Identification and Measurement
    Portfolio Monitoring & Reporting
    Analytical Policy Support

    You will provide to executive management, the Board of Directors, regulators, and other stakeholders objective views on credit risk at Farmer Mac for each business segment in the portfolio, enabling Farmer Mac to fulfill its mission more effectively.

    The People You Will Work With


    The position has management responsibility and will report directly to the Senior Vice President - Chief Credit Officer as part of Farmer Mac's Credit team.

    In addition to members of the Credit team, the position will work closely with stakeholders and leadership across Farmer Mac in various business lines, including Finance, Accounting, IT, and Operations.

    Where and When You Will Work

    The position will be based in Farmer Mac's Washington, D.C. headquarters, with the possibility of remote hire for the exceptional candidate.

    It is a Presence with Purpose work environment, which allows for flexibility of work location while providing the opportunity for teams to come together in the office with purpose may be applicable.

    Work outside of core hours may be required for planned and unplanned activities to complete time sensitive projects or to attend off-site meetings or events.

    Primary Responsibilities and Duties

    The Director - Credit Analytics has three primary areas of responsibility:

    Core Data and Analytics


    Oversee a portfolio of credit risk monitoring reports for each business segment, including originations volume/quality, root cause attribution, portfolio risk migration and performance, industry risk benchmarking, modeled versus manual underwriting performance, concentrations, and exceptions.

    Collaborate with leadership stakeholders in other functional areas (Business Development and Finance) to optimize analytical reporting and decisioning in line with the credit policies and overall business strategy.

    Analyze large data sets and build data pipelines to enable credit analysis for the Credit department and other Farmer Mac business areas.

    Collaborate with the Financial Planning & Analysis team on the execution of stress testing, reverse stress tests, credit risk charges, and other initiatives.

    Prepare and present analysis and reports detailing portfolio composition, trends, credit quality, risk rating migrations, and developments for executive management and the Board of Directors.

    Serve as credit risk representative on enterprise data and analytics initiatives, including automated collateral valuation, enterprise data warehouse development, and automated loan decisions.

    Understand Farmer Mac's data environment to appropriately prioritize and set expectations for key organizational reporting, modeling, and analytical objectives.
    Effectively prioritize competing initiatives and translate strategic priorities into individual and team initiatives.
    Credit Policy and Processes

    Lead quantification of Farmer Mac's credit risk appetite and provide analytically supported policy limits and trigger recommendations.
    Lead implementation of credit policy on cross-functional teams through process and procedure development and streamlining internal controls as needed.

    Provide credit analysis and policy recommendations to the CCO and credit approval committee and participate in credit approval committee meetings as a non-voting member.

    Develop strong relationships with Internal Credit Review, Underwriting, and others responsible for managing or monitoring credit risk.
    Credit Modeling

    Serve as the model owner for Farmer Mac's credit risk models. This includes leading the

    creation/maintenance

    of automated end-to-end statistical models by identifying objectives, compiling data, sampling/prepping data, feature selection, model

    comparison/selection,

    deployment, performance monitoring, and ensuring adequate internal control processes are established in accordance with model risk management policy.

    Assess the impact of agriculture, agribusiness, and rural infrastructure portfolio trends on model performance and develop timely approaches to address changes, specifically within Farmer Mac's loss allowance model (strong accounting, modeling, and Current Expected Credit Losses (CECL) experience required).

    Perform independent peer reviews on models developed by other functions at Farmer Mac.
    Desired Skills and Qualifications

    Expert ability in performing analysis and retrieving data using SQL & PowerBI.
    Experience building models and analysis in Python, R, and/or SAS.

    Excellent interpersonal, verbal, and written communication skills, with an ability to translate to a variety of stakeholders highly technical material into actionable intelligence.

    Proven experience in identifying, communicating, and resolving risks/issues utilizing excellent negotiation skills with the ability to defend a position collaboratively.

    Proven leadership and management experience, with the ability to lead, coach, and mentor employees outside a direct reporting structure.
    Working knowledge of Azure DevOps/GitHub.
    Education and Experience


    10+ years of related work experience in quantitative credit risk, finance, mortgage lending, corporate lending, business intelligence, or related field.

    Bachelor's degree in STEM, Business, Finance, or a similar discipline.
    Previous consulting experience a plus.
    Our compensation philosophy is targeted pay positioning relative to peers, our industry, and external markets.

    Farmer Mac is committed to a compensation program that will enable the organization to attract, motivate, reward, and retain highly skilled and creative talent to maintain sustained long-term performance and achieve the organization's strategic business objectives.

    Salary is competitive. The typical base pay range for this role is $155,000 to $215,000 per year.

    Farmer Mac is an equal opportunity employer.

    NO EMPLOYEE OR JOB APPLICANT WILL BE DENIED OPPORTUNITIES OR BENEFITS AT FARMER MAC BASED ON RACE, RELIGION, COLOR, SEX, AGE, NATIONAL ORIGIN, DISABILITY, VETERAN STATUS, CITIZENSHIP STATUS, GENETIC INFORMATION, OR ANY OTHER BASIS PROHIBITED BY APPLICABLE LAW.


    Farmer Mac has adopted an affirmative action program plan to create a workforce that is an accurate reflection of the demographics of the qualified available workforce in the relevant job market.

    A summary report is available upon request.

    #J-18808-Ljbffr


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