Risk Manager II in Charlotte, North Carolina | DiversityInc Careers
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Risk Manager II

Job Description
The Risk Manager II is responsible for managing the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication, exposure management, risk segmentation, and financial return optimization. The Risk Manager II provides critical information, interpretative, and detailed analysis, and deploys critical credit risk rational strategies that ensures the decisions are made within the TD risk appetite and adhere to all governmental requirements and guidelines. The Risk Manager II investigates, creates, implements and validates various risk segmentation strategies and policies using complex data including cohort time series analysis of PCL, Marketing Investments, Decision Expense, Risk Adjusted Revenue, Risk Adjusted Margin, NPV, ROE, etc. with the limited guidance from the manager.Job Requirements
• Performs functions noted for Risk Manager I.
• Generally an expert at the enterprise or group business level.
• Acts as the primary regulatory interface on risk issues and requirements for a key business segment of the Bank and assesses and provides direction for existing and new regulations.
• Interfaces with teams beyond risk in a cross-functional manner.
• Represents business on corporate initiatives and identifies key risks and implications and provides direction in complex situations.
• Bachelor's degree required; Graduate degree preferred or progressive work experience in addition to experience below
• 10+ years' experience required
• Proficient PC skills in MS Office and a variety of PC-based analytical and reporting software packages
• Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS
• Working knowledge of SAS Enterprise Miner, FICO Model Builder or Angoss Knowledge Seeker
• Strong analytical and problem solving skills are required to interpret data and draw conclusions
• Flexibility to adapt to rapidly changing requirements
• Extremely strong attention to detail with ability to manage a range of tasks and prioritize
• Proven ability to develop and maintain productive business/peer relationships
• Superb written and verbal communication skills
• Experienced in developing and presenting recommendations to Senior Management