Risk Analyst

As a Risk Analyst at Motive, you will be responsible for managing the overall health of our commercial portfolio. Your main duties will include performing portfolio analysis, monitoring credit quality, collaborating with cross-functional teams to execute credit strategies, and conducting timely customer risk assessments. Additionally, you will manage customer interactions during credit reviews and ensure compliance with relevant regulations.

To apply for the Risk Analyst position at Motive, you should have at least 4 years of proven experience in portfolio management, particularly supporting US commercial credit products. A solid understanding of U.S. credit, fraud management, and compliance frameworks is essential, as well as strong analytical skills and excellent communication abilities.

The Risk Analyst role at Motive is vital in ensuring the stability and growth of our commercial portfolio. By executing effective credit strategies and conducting thorough risk assessments, you will help mitigate potential financial risks while ensuring a positive experience for our customers. Your insights will also guide the company in developing innovative solutions that align with the needs of our diverse client base.

Essential skills for a Risk Analyst at Motive include strong analytical abilities, effective communication skills, familiarity with the credit lifecycle, and knowledge of regulatory compliance in financial services. Additionally, proficiency in problem-solving, negotiation, and the ability to conduct credit reviews through various communication channels are crucial.

Motive fosters a diverse and inclusive work culture, making it a vibrant place for a Risk Analyst to thrive. Collaboration across teams is highly encouraged, and you will have the opportunity to innovate within your role while impacting customer experience. The company values different backgrounds and perspectives, creating a supportive environment where everyone can contribute and grow.

When asked about your experience with risk assessment, highlight specific projects or portfolios you have managed. Discuss the techniques you employed for evaluating credit risk, such as analyzing utilization rates, tracking credit deterioration, and applying responsible lending actions when necessary.

To effectively address compliance, discuss your familiarity with regulations like FDCPA, CARD ACT, and ECOA. Emphasize how you keep updated on these laws and share examples of how you've applied compliance measures in previous roles to ensure adherence and mitigate risks.

In response to this question, recount a specific credit strategy that you designed and implemented. Discuss your thought process, the data-driven insights you utilized, the outcomes of the strategy, and how it contributed to portfolio health and customer satisfaction.

Explain your methodology for analyzing financial statements, focusing on key metrics such as cash flow, liquidity ratios, and overall financial health. Provide examples of how you've drawn conclusions from these analyses in past roles, and how they informed lending decisions.

Discuss your approach to simplifying complex risk information for non-technical stakeholders. You can mention the use of visuals, reports, and clear language that translates data into actionable insights, ensuring that everyone involved understands the implications.

Be prepared to mention specific tools or software you have experience with in managing portfolios, such as risk assessment platforms, CRM software, or data analysis tools. Explain how these tools have enhanced your analysis and reporting processes.

Discuss your techniques for managing difficult customer situations during credit reviews, emphasizing your communication skills and ability to listen. Share examples where you de-escalated tension and turned a challenging conversation into a constructive dialogue.

Share your insights on what you perceive as the most critical aspect—be it maintaining credit quality, proactive risk assessment, or customer communication—and back it up with experiences showcasing why this aspect is key to successful portfolio management.

Explain your methods for prioritizing tasks, such as using project management tools or techniques like the Eisenhower Matrix. Discuss a specific instance where effective time management positively impacted your portfolio management efforts.

Convey your passion for risk management and how it aligns with Motive’s mission. Discuss the excitement of working with a diverse customer base and the opportunity to engage in dynamic, innovative strategies that positively impact operations management.