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Posted: 10/20/2026Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Expertise in developing and implementing Commercial Risk Rating and Scorecard Models, with a strong focus on model lifecycle management, quantitative analysis, and team leadership. Proficient in applying advanced programming techniques and statistical methodologies to enhance credit risk modeling frameworks.
Highest-signal resume keywords
Commercial Risk ModelingModel Development LifecyclePython ProgrammingQuantitative AnalysisTeam Leadership
Tech Stack
Tools & technologiesAbout the role
Key responsibilities & impact- Lead the strategic design, development, implementation, governance, validation support, maintenance, and enhancement of Commercial Risk Rating and Scorecard Models
- Establish the long-term vision and roadmap for commercial credit risk modeling frameworks
- Oversee the full model lifecycle, including development, calibration, performance monitoring, back-testing, testing, implementation, documentation, governance, and continuous improvement
- Oversee development, implementation, and maintenance of Commercial PD and LGD credit underwriting models
- Develop algorithms and tools for testing model performance, robustness, stability, and ongoing monitoring
- Apply automation, machine learning techniques, data frameworks, and implementation platforms to build scalable modeling solutions
- Develop credit ratings for structured finance transactions through collateral analysis, cash flow modeling, and structural enhancement assessments
- Determine when model redevelopment or recalibration is needed and guide redevelopment efforts
- Partner with Centralized Technology to integrate rating models into appropriate platforms
- Coordinate model deployment, independent validation, committee presentations, business-line communication, and remediation of findings
- Explain model benefits, limitations, assumptions, requirements, and implementation strategies to internal customers and executive management
- Build, manage, and develop a team of modelers and quantitative analysts
- Develop and maintain training for users of Rating scorecards
- Develop strategies for modeling commercial credit risk in new areas and present findings to Senior Management
- Execute ad hoc analysis and projects assigned by the Credit Risk Manager
- Adhere to compliance and operational risk controls
- Exercise managerial authority over staffing, appraisals, promotions, salary recommendations, performance management, and terminations
- Directly manage 3–10 Quantitative Credit Risk Management Analysts and Modelers, and potentially other Quantitative Risk Managers
Requirements
What you’ll need- Ten (10) or more years of relevant experience, including 5+ years of previous management/supervisory experience
- PhD or master’s degree in mathematics, Statistics, Quantitative Analysis or another technical discipline; alternatively, Bachelor’s plus 12 or more years of relevant experience; alternatively, no degree plus 14 or more years of relevant experience
- Experience developing models using segmentation analysis, logistic regression, decision trees, and multivariate analysis
- Strong understanding of Commercial Loan and Mortgage underwriting, loan structuring, and credit analysis
- 3+ years of experience applying advanced programming and analytical skills using Python, R, SAS, SQL, AI/ML, data validation tools, Git, and cloud computing platforms
- Quantitative skills including strong analytical, financial, statistical, and model development skills
- Track record of gathering, matching, and processing large datasets across continuous/categorical structured or unstructured data
- Familiarity with banking-sector model development and governance standards, especially SR11-7, SR26-2, and OCC 11-12
- Working knowledge of Commercial & Industrial and Commercial Real Estate credit underwriting and quantitative risk analysis
- Demonstrated experience conducting quantitative credit analysis and rating of structured finance transactions, including ABS and other securitized products
- Sophisticated knowledge of PC, Core Bank process systems, databases, and statistical software
- Excellent verbal and written communication, cross-functional collaboration, and management skills
- Ability to communicate complicated statistical concepts to a broad non-technical audience
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Segmentation AnalysisLogistic RegressionDecision TreesMultivariate AnalysisData ValidationModel CalibrationPerformance MonitoringBack-TestingAlgorithm DevelopmentCredit Risk Analysis
Soft Skills
Excellent CommunicationCross-Functional CollaborationManagement Skills
Tools & Technologies
SASSQLAI/MLGitCloud Computing Platforms
Industry Keywords
Commercial Loan UnderwritingMortgage UnderwritingBanking Sector StandardsSR11-7SR26-2OCC 11-12Structured Finance TransactionsABSQuantitative Risk AnalysisCredit Analysis