Credit and Data Specialist - Full-Time
Meridian
St. Catharines, CA
6d ago

Description

At Meridian, we’re proud to continuously strive to stand at the forefront of the Big Data revolution. Using the latest analytic tools and processes, we’re able to maximize our insights and deliver unparalleled service and support.

To help carry the Credit Management department even further, we’re searching for a Credit & Data Specialist to join our team, supporting the OneCap Credit Corporation subsidiary of Meridian Credit Union.

The ideal candidate should be highly skilled in all aspects of system modeling, data dictionaries, system configuration, data analytics, including mining, generation, and visualization.

The role will also be tasked to work closely with business units and vendors, as required, to drive further capabilities out of new and existing reporting platforms.

Additionally, the successful candidate should be committed to transforming data into readable, goal-driven reports and output for continued innovation and growth.

turning Data into Information into Insight into Business Decisions

As the Credit & Data Specialist for Meridian OneCap Credit Corp., reporting to the Manager Credit Reporting & Analytics within the Credit Reporting & Analytics team, your primary responsibility will be to support and advance the credit reporting framework that supports system platform and reporting capabilities, regulatory, management and Board reporting requirements in an effort to provide effective monitoring and management of the credit risk environment.

With strong analytical skills and knowledge of reporting systems, you will have an accountability to provide ongoing accurate and reconciled credit based reporting extracts to support and enhance the decision making process of Credit Management.

The Credit & Data Specialist function will support the advancement of analytics and data management, processes, and tools to contribute to the achievement of Meridian’s strategy, risk management appetite, regulatory guidance, and industry standards / best practices, including the advancement of our existing lease reporting platform.

The position will be tasked to proactively propose recommendations to provide increased reporting capabilities and system enhancements to support Credit Management and align to overall business requirements and strategy.

The successful candidate will contribute towards the enhancements to, or development of, existing or new risk processes, frameworks, and / or systems.

Provides support to the overall credit function in the area of reporting and analytics including development of effective risk reporting, key trending processes, dashboards formats and automation.

Remains apprised of industry best practices and system developments and enhancements, including :

  • Interpreting data, analyzing results using statistical techniques;
  • Developing and implementing data analyses, data collection systems and other strategies that optimize statistical efficiency and quality;
  • Acquiring data from primary or secondary data sources and maintaining databases;
  • Filter and clean data by reviewing reports, extracts and performance indicators to locate and correct code problems;
  • Work with management / peers to prioritize business and information needs;
  • Locate and define new process improvement opportunities;
  • Supports existing month end requirements in an accurate and efficient manner;
  • Identify and communicate existing limitations within the reporting platform and make recommendations that are aligned to Credit and business requirements; and
  • Proactively communicate with all user groups to ensure acceptance, understanding and utilization is maintained of any and all system enhancements.
  • In addition, this role will demonstrates effective communication skills, a talent for influencing without authority, and an ability to be a proactive internal consultant, adding value and insight to key stakeholders and management.

    Demonstrates an ability to present complicated reporting output in a concise and compelling manner, interpreting insights, as required, in a meaningful way to various level managers and partners.

    Leverages subject matter expertise to support the growth needs of the business, including :

  • Proven analytic skills, including mining, evaluation, analysis, and visualization;
  • Ability to analyse large datasets;
  • Strong verbal and written communication skills;
  • An analytical mind and inclination for problem-solving;
  • Technical writing experience in relevant areas, including queries, reports, and presentations;
  • Strong SQL and Excel skills with the ability to learn other analytic tools;
  • Practical experience in statistical analysis through the use of statistical packages including Excel, Power BI, SQL and SAS;
  • Proven success in a collaborative, team-oriented environment; and
  • Balancing day-to-day, hands-on systems maintenance, training, bug fixes, and small optimizations while supporting the credit analytics mandate.
  • Key Responsibilities

  • Write and Maintain System policies and procedures. System configurations as required. Maintain content for end users. Add / Delete / Modify user permissions.
  • Responsible for problem identification, root cause analysis and resolution of system issues.
  • Work Sales and Credit to prepare, test, and train for system enhancements. Work with the business to develop stream-lined templates that include / exclude certain fields for increased accuracy and user acceptance.
  • Support end-users by answering support related questions, troubleshooting complex system issues, identifying problem sources and taking issues to resolution either independently or with the assistance of software support resources.
  • Design and implement a comprehensive and reconciled credit reporting framework to support reporting requirements (internal and external stakeholders).
  • Continuously research industry best practices for future enhancement utilizing existing Meridian toolkit (Excel, SQL, SAS, Power BI, etc).
  • Work with Credit Analyst functions to improve / expand current reporting processes.
  • Develop an automated solutions for standardized reporting requirements to all stakeholders.
  • Support in the development of comprehensive quantitative analytics and insights that align to Meridian’s sustainable growth objectives.
  • Support other departments that utilize credit reporting.

    Knowledge, Skills, and Abilities

  • Proven analytic skills, including mining, evaluation, analysis, and visualization (Ability to analyse large datasets)
  • Technical writing experience in relevant areas, including queries, reports, and presentations
  • High level of proficiency in designing & developing custom analytics utilizing available or externally obtained data
  • Practical experience in statistical analysis through the use of statistical packages including Excel, Power BI, SQL, Crystal and SAS
  • Proven success in a collaborative, team-oriented environment
  • Able to prioritize and plan workload, and to meet deadlines in a dynamic, fast-paced environment
  • Organized with the ability to quickly prioritize and effectively handle critical issues or competing priorities; move with agility from one task to another
  • Strong written and verbal communication skills with ability to present data in a meaningful way, influence others to action and negotiate effectively
  • Ability to communicate technical and project issues to both business and technology managers including the development of presentation materials to diverse audiences
  • Strong interpersonal skills able to interact with and build effective relationships with all the teams within Sales and Credit and the Risk function
  • Education, Designations, Training, and Experience

  • Experience working as an Analyst in a Financial Institution with responsibility for :
  • Data extraction, consolidation, automation and reporting
  • Creating complex, customized financial output aligned to business strategy
  • Developing and working with Credit Management analytics and models
  • Experience in lending is an asset
  • Able to act with confidence in their area of expertise
  • Demonstrated ability and creativity in developing and implementing frameworks and process improvement initiatives.
  • Competencies

    Member Focus - Personally demonstrating that our Members are our highest priority.

    Proactive - Seize the initiative by anticipating needs and identifying opportunities to provide a higher level of service.

    Open Communication - Engaging in honest and transparent dialogue to develop mutual understanding, trust and cultivate deeper relationships.

    Business Savvy - Continuously acquiring the knowledge needed to do one’s job to the fullest, using internal or external resources and applying the knowledge productively.

    Partner Orientation - Initiates opportunities for collaboration and maintains productive relationships to achieve shared goals.

    Integrity - Doing the right thing by always acting with openness, honesty and respect.

    Talent Developer : nurtures and supports direct reports, identifies strong team members, develops digital and analytical skills in direct reports

  • Creates a Supportive and Positive Team Environment : creates and contributes to a positive team environment which encourages innovation, risk taking, and learning;
  • speeds up team learning through sharing best practices; leverages the strengths and opportunities of the broader marketing team

    Experience the Difference!

    Thank you for your interest in Meridian Credit Union. Please note that due to the volume of applications, only those under consideration will be contacted for an interview.

    Meridian is committed to providing accommodations for people with disabilities. Should you require an accommodation, we will partner with you to meet your needs.

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