Risk Analyst

BASIC PURPOSE:

This position is responsible for, but not limited to, monitoring portfolio for suspicious activity and performing daily verification functions to insure fraud detection. This includes and is not limited to follow the money, preparing weekly exception reports for clients, verification reporting and volume reviews.

ESSENTIAL FUNCTIONS:

This position is expected to perform the specific duties, tasks, and responsibilities as outlined below:

• Perform various duties and reports to insure fraud detection, including but not limited to follow the money reporting, recourse client exceptions reporting and dispute resolution.

• Work flow management to insure customer retention and evaluation
• Collects and maintains industry data; researches industry specific information from outside sources, including conversations with the customer, industry publications, area libraries, references from other banks, credit agencies, as well as accessing information through the internet
• Special projects as assigned by manager, including underwriting new clients and monthly reports

• Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
• Provide assistance to other employees by liaising with them through healthy and positive interactions
• Be involved in performing marketing endeavors/efforts
• Continuously update skills by participating in professional training
• Seek opportunities to improve skills through cross-training offered by the Bank
• All other tasks, responsibilities or duties, as directed by management

OTHER SKILLS/QUALIFICATIONS:

• Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department
• Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank
• Must have good knowledge of business English, including spelling and punctuation
• Must possess basic English language skills in order to write and speak clearly, and effectively with coworkers and customers
• Must be well-organized, accurate, and attentive to detail
• Must be cooperative and willing to assist coworkers and customers on a regular basis
• Must have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others
• Must possess excellent multi-tasking skills and be able to function well under pressure
• Must be able to remain composed under pressure and respond to customer and coworker concerns regularly
• Must have a keen eye for detail and follow instructions to the letter
• Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times

ESSENTIAL PHYSICAL DEMANDS:

• Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each work day
• Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift
• Must be able to walk frequently throughout the day to obtain supplies from other areas in the Bank and to cover for other employees, on break or on lunch
• Must be able to use hands and fingers to count money throughout each workday
• Must be able to hear and communicate with coworkers and customers throughout the day
• May need to lift up to 25 pounds one to two times a day to perform job

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Position may require regular before/after normal business hours, or regular out-of-town travel.

WORK ENVIRONMENT:

• Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank’s grooming and dress codes
• Must demonstrate excellent interpersonal skills with customers and coworkers
• Must be willing to function as a team member
• Must be willing to demonstrate commitment to CenterState Bank’s mission and goals

MINIMUM QUALIFICATIONS:

• High school graduate or equivalent is required; bachelor’s degree or college related coursework in business related field is preferred
• Credit, risk and leadership skills to drive the remediation of the accounts receivable portfolio and establish the necessary credit and risk processes, infrastructure and risk culture
• Excellent communication and interpersonal skills
• Proven ability to demonstrate and coach exceptional customer services
• Able to take “full ownership” of issues
• Must be able to function effectively as part of a team and must possess the ability to deal effectively and tactfully with employees and management as well as external clients/vendors
• Must effectively manage workflow and assignments - appropriately prioritizing work. Attention to detail and accuracy is required.

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed above are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.