Senior Risk and Reporting Analyst

Why DUCA

Were a vibrant exciting credit union that lives its profits with a purpose philosophy in every financial transaction product interest rate and community initiative we offer. Founded in 1954 DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85000 Members we are proud to serve.

We exist to help People Businesses and Communities Do More Be More and Achieve More.

DUCA () is the fastest organically growing large Credit Union in Canada distinguished for the following:

• Positive un-big bank like service experience delivered through Member-facing staff in branch on the phone (Member-Connect) and via our Mobile mortgage specialists Wealth Management advisors and Commercial and Business Banking Account Managers.
• Competitive rates.
• Personalized financial solutions guidance and service with the lowest possible fees for both Personal and Business Members.
• Profit sharing among Members.
• Multiple ways to bankonline mobile app phone/full-service Member Connect Contact Centre and of course in-branchDUCA is accessible 24/7
• A community philosophy of profits with a purpose culminating in the creation of the DUCA Impact Lab () a charitable foundation committed to helping the credit challenged and underbanked. This led to DUCAs designation as a B-Corp certified organization the first ever credit union to receive this global recognition.

A career with one of Canadas fastest growing credit unions means youll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more Be more and Achieve more with their money and their lives. At DUCA youll be part of a vibrant and collaborative team where youll be supported to excel and make an impact no matter what role you play.

Senior Risk and Reporting Analyst

DUCA is looking for aSenior Risk and Reporting Analystto join our growing team!

Job Purpose & Summary

The Senior Risk and Reporting Analyst is responsible for delivering high-quality data analytics credit portfolio reporting and risk insights across both retail and commercial lending portfolios. This role supports strategic decision making by analyzing portfolio trends identifying emerging risks and ensuring compliance with internal policies and regulatory requirements. The analyst will work closely with Risk Finance and IT teams to enhance data quality risk models and reporting frameworks. Conduct advanced portfolio analysis and make recommendations to enhance and implement credit portfolio strategies for key stakeholders including the Chief Risk Officer (CRO).

The position leads the design compilation and validation of key components of the DUCAs risk management programs and strategies and independently coordinates the collection and review of data from other key stakeholders across the organization including external partners Finance and Treasury.

Key Accountabilities & Duties

• Maintain and improve all Retail and Commercial dashboards for accurate and effective portfolio monitoring.
• Maintain and enhance robust data validation routines to ensure data completeness and accuracy
• Collaborate with internal and external partners to improve the structure governance and automation of risk data.
• Proactively identify any actual and potential portfolio performance concerns and propose timely resolutions and/or future mitigators.
• Assist Retail & Commercial Funding and Administration teams to validate information fields in DNA system and develop and maintain appropriate reports to support interactions with key stakeholders.
• Prepare management reports and presentations to support DUCAs Credit initiatives.
• Prepare and maintain all data and reporting requirements for new and existing Retail or Commercial Credit business initiatives.
• Update and maintain all required monthly and quarterly internal and external reporting for Retail and Commercial Credit. This includes FSRAs Quarterly and Monthly risk and regulatory report deliverables in addition to the FSRA Enhanced Data Capture (EDC).
• Implement and maintain Teranet House Price Index (HPI) data into DUCA data warehouse and produce effective data analytics.
• Work with various data owners to discover and select available data sources from internal and external sources to fulfill analytical needs and identify any inconsistencies in the data.
• Identify and recommend risk management policy and procedural improvements that enable the value-generation of data outputs with a focus on driving genuine business outcomes.
• Work with the Quality Control team to ensure loan data input is accurate and compliant through data reviews.
• Support the Quality Control team as needed.

Support DUCAs Credit Leadership:

• Support the management of governance meetings (e.g. credit committee management board meetings etc.) as required; facilitate development and approval of agendas gathering and distribution of documentation related to agendas and creation of meeting minutes/output
• Participate in the operational risk management process for DUCAs Management Risk and Asset Liability Committee (MRALCO); conduct analysis and compile reports related to Commercial Credit and Enterprise Risk for DUCAs Risk Management team

Risk Management Oversight:

• Design maintain and validate the quality and integrity of all regular reporting to ensure DUCA is meeting all regulatory and internal management reporting requirements related to DUCAs Credit portfolio.
• Provide analytical data insights for monitoring and improving DUCAs Credit portfolio Retail and Commercial Policies and Guidelines and Credit Risk Management Policy (CRMP).
• Analyze portfolio performance metrics such as delinquency default loss rates PD LGD EAD.
• Perform segmentation and trend analysis across borrower product industry and region.
• Monitor and report on portfolio concentrations early warning indicators and risk appetite breaches.
• Independently perform retail and commercial loan Stress Testing (ST) and Internal Capital Adequacy Assessment Process (ICAAP) conduct scenario analysis and continuously improve ST methodologies to meet changing loan risks model iteration and market dynamics.
• Manage and maintain retail & commercial credit portfolio data.
• Stay abreast of data management system updates trends and best practices in data analysis and reporting.

Occupational Experience & Education Requirements

• Undergraduate or above degree in Business Statistics Economics or Finance
• 2-3 years experience in a Reporting or Business Analyst position in a financial institution
• Underwriting / adjudicating experience an asset
• Advanced VBA Power Query programming skills with working experience in visualization and analytics tools such as Power BI Tableau etc.
• Experience querying large complex and varied data sources by using SQL or python considered an asset
• Experience in data sourcing manipulation and transformation
• Completion of relevant courses certificate or education in analysis data management technology or statistics considered an asset

Knowledge Skills & Attributes

• Highly proficient with Microsoft Excel (formulas pivot table) PowerPoint and Word
• Knowledge of Visual Basic for Applications (VBA) fluency with macros and/ or other automation tools
• Proficiency in visualization and analytics programs like Power BI Python SAS Tableau is an asset
• Solid understanding of risks and exposures relating to retail and commercial lending products
• Strong analytical and problem-solving skills with the ability to translate user requirements into succinct analysis and reports
• Advanced reporting and data analytics skills
• In-depth knowledge of risk management metrics KRIs
• Strong attention to detail to ensure accuracy of produced results
• Ability to understand the big picture and articulate business consequences of portfolio trends
• Ability to manage multiple projects in a fast-paced environment
• Strong interpersonal skills collaborates well in a team environment
• Excellent verbal and written communication skills
• Strong critical thinking and problem-solving skills

Working Conditions

Normal office environment.

Department:Commercial Credit

Primary Location:Corporate Office - 5255 Yonge Street North York M2N 6P4

Employment Status:Full-Time

Hours per Week:38

Salary:The annual salary range for this position starts at$69956. Actual annual base salaries will vary depending on relevant job-related factors such as experience knowledge skills qualifications and education/training. Depending on the position DUCAs total compensation package may include incentive compensation tied to company and individual performance or other benefits.

Number of Vacancies:1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.

Qualified applicants are encouraged to submit their application.Applications must include a resume.

We thank all applicants but only those considered for an interview will be contacted.