Credit Risk Analyst

Exact compensation may vary based on skills, experience and/or education, and location.  This position is also eligible for an annual bonus.

SUMMARY The Credit Risk Analyst supports the objectives of the Credit Management Division by performing a variety of functions related to loan and data analytics, credit risk assessment and stress testing, credit workflows and processes, and the implementation of COSO and SOX controls. This role also involves maintaining and enhancing the loan accounting system and reports, as well as contributing to other credit data-related projects.

The analyst works as an integral member of the Bank’s Credit Risk Analytics team and collaborates closely with the Bank’s Credit Risk Officer(s).

ESSENTIAL DUTIES AND RESPONSIBILITIES Prepare and deliver analyses for internal and external stakeholders. Extract data from Power BI, Business Analytics, and other sources. Summarize and interpret large datasets in a meaningful and actionable format. Conduct daily data quality reviews and produce reports according to established deadlines and ad hoc requests, while managing multiple priorities.

Develop and maintain models to assess and monitor the Bank’s loan portfolio. Collaborate with colleagues on the preparation and execution of Moody’s CMM, Risk Calc, Challenger Models for stress testing, the DCR model, and other compliance-related modeling tasks. Ensure accurate documentation of system and model changes, and follow established procedures to maintain data and system integrity.

Support regulatory examinations and internal audits by assisting and interfacing with examiners and auditors.

Utilize and support other systems as needed to fulfill departmental objectives.

Serve as a subject matter expert on loan source system data. Educate team members on data usage, metadata, and data standards.

Identify opportunities to improve internal processes and drive cost efficiencies through automation and streamlining of reports to eliminate redundancy and duplication.

Evaluate current processes and modeling tools, identify areas for improvement, and oversee the implementation of corrective actions within areas of responsibility.

Act as a liaison between the Credit and IT departments during the implementation of new programs or software. Maintain up-to-date knowledge of business unit requirements and IT capabilities.

Recommend and establish standards, guidelines, and procedures to enhance system and reporting efficiency.

Design, maintain, and ensure the accuracy and usability of the credit process procedure manual.

Develop, update, and maintain internal control procedures, compliance programs, and related documentation. Ensure departmental compliance policies and procedures are current and accurate.

Complies with, and stays abreast of, all policies and procedures, federal and state laws applicable to the job. Provide, present, and promote the Citizens Experience to all external and internal customers. Other duties as assigned.

SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities. QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE Bachelor's degree (B.A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLSAbility to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents.  Ability to respond to common…