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Consumer Risk Analyst I

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POST DATE 9/13/2016
END DATE 11/13/2016

Commerce Bank Kansas City, MO

Kansas City, MO
AJE Ref #
Job Classification
Full Time
Job Type
Company Ref #


20114 Consumer Risk Analyst I (Open)

Job Category:

Grade 08 ----------------------------------------------------------------------

Location: 811 Main St, Kansas City, Missouri 64105 ----------------------------------------------------------------------

Job Expectations:

How would you like to work for a great company that offers career growth and values your skills and experience? For over 150 years, Commerce Bank has built a strong reputation as a Super Community bank and is recognized as an industry leader. In today's growing and competitive financial services industry, we look for creative and innovative solutions to meet the needs of our customers. To achieve our results, we recruit the best and brightest employees who ask, listen and solve to meet our customers' needs!

The Consumer Risk Analyst position is located in Kansas City, MO and is responsible

for working with various Retail business units to ensure that risk is evaluated, managed

and monitored for all activities: Risk categories include credit and collateral, compliance

and legal, transaction and operational, strategic, reputation, and management

information reporting risk. Supported lines of business include: Consumer Credit Card,

Debit and Prepaid Products, Commercial Credit Card, Merchant Processing, Indirect

Consumer Lending, Direct Consumer Lending and Home Equity, and Mortgage.

Additionally, risk support is provided for functional areas including: Underwriting,

Booking and Servicing, Fraud Detection and Security; Collections and Loss Recovery.

Incumbent will learn and need to understand industry issues and management

goals/objectives in all these areas.

The ideal candidate will ask questions to understand customer needs and business

goals; use that understanding to define and evaluate multiple solutions which address

all steps in the process; manage to deadlines of multiple projects at once, streamlining

similar tasks across projects for maximum efficiency, and be able to summarize results

in a clear and concise manner. The candidate will display a sense of urgency in meeting

deadlines and validate findings prior to presentation. By anticipating

opportunities/issues and taking action to mitigate obstacles and/or be prepared should

the situation arise, the candidate will exhibit commitment and a sense of ownership.

The responsibilities of our Consumer Risk Analyst will include (but are not limited to):

Reporting & Analysis

*Prepares and distributes recurring and ad-hoc analysis and reporting on

portfolios and segments thereof, including performance and projections

*Prepares and distributes recurring and ad-hoc analysis measuring effectiveness

of risk assessment tools, business rule sets and strategies

*Performs audit-type activities to assure retail business units are conforming to

credit, regulatory, and operational policies and procedures

*Identifies and evaluates portfolio trends with respect to delinquency, bankruptcy,

demographic and other factors

Design & Development

*Designs and develops business rules sets and strategies for account acquisition

or account management for the appropriate implementation of credit and other

banking policies

*Works with vendors, internal resources, or independently to develop, implement,

monitor, test and validate new or existing risk assessments tools, including

systems, models and algorithms to assist with acquisition, retention and

management of accounts

*Participates in development and maintenance of core application processing

systems to assure business rules and strategies are applied in appropriate

context and order

Project Management

*Manages all tasks on assigned projects in a timely, accurate manner.

*Works with team to gather requirements and develop business cases as


*Manages multiple projects at the same time

*Manages provision of information and records for oversight bodies, including

auditors and bank examiners

*Develops and monitors project timelines and allocation/expenditure of resources

The following skills and basic qualifications will be important to succeed in this


*Ability to apply economic trends to current and projected portfolio

performance metrics

*Strong presentation skills

*Excellent written and verbal communication skills and ability to positively

influence others

*Proficiency in Microsoft Office applications, including Excel, Access and


*Strong organizational and interpersonal skills

*Analytical/critical thinking and problem solving skills

*Experience in the banking industry, specifically in retail lending and/or

credit card is beneficial.

*Working knowledge of report generation tools like Business Objects or

SQL is beneficial


Minimum 4-year college degree with an emphasis in business related disciplines


Time Type:

Full time