Credit Risk Review Systems, Data Analyst

• Manage credit risk review systems, processes, and data, including Crowe 360
• Ensure system design and content support consistent, well-documented credit risk reviews aligned with Board-approved risk classifications and regulatory guidelines
• Support implementation of revised credit rating systems across Credit Risk Review, Commercial Banking, Credit Administration, and Managed Asset departments
• Develop and maintain portfolio management analytics and key risk indicators for credit-risk monitoring and Board reporting
• Aggregate and stratify risk ratings and describe portfolio risk trends for credit risk management and strategic decision-making
• Assist Credit Risk Review Management with regulatory examiner interactions, internal/external audits, data gathering, and reporting processes
• Monitor changes in regulatory and internal guidance
• Provide risk management insights and assist with the annual risk-based Credit Risk Review Plan for commercial and consumer loan portfolios
• Develop and maintain a Consumer Credit Risk Review work-in-process system for reporting, internal review documentation, and data metrics
• Evaluate credit risk review metrics and recommend Key Performance Indicators and Key Risk Indicators to management
• Review and report indicator data for the Credit Risk Review yearly plan, staffing, and Enterprise Risk Management Committee
• Provide feedback to Credit Risk Review Management for annual performance evaluations
• Collaborate with Credit Risk Review leadership, Commercial and Consumer Credit Risk Review Managers, and senior management across relevant bank departments
• Support reviews for compliance with policies and underwriting guidelines and independently validate risk ratings and documentation
• Perform reporting and data work across credit functions, including Treasury Management, SWAPs, overdrafts, consumer lending, and commercial lending
• Undertake assigned projects supporting risk-management oversight and regulatory expectations
• Advocate technology use to improve Credit Risk Review processes and efficiency
• Perform additional duties as required

• Four-year college degree or equivalent; preferred specialization in Business, Finance, and data analytics
• Five to ten years of general experience
• Two to five years of Data Analytics experience, including some commercial and/or consumer banking
• Knowledge of Commercial and Consumer risk systems and methodology
• Familiarity with Credit Risk Review or Credit processes or equivalent experience and expertise
• Knowledge of regulatory laws
• Ability to work independently and as a team player
• Critical thinking, judgment, problem solving, and accuracy
• Accuracy, initiative, interpersonal skills, and confidentiality
• Ability to meet the stated physical demands, including operating a keypad device, using office equipment, standing, sitting, walking, lifting up to 10 pounds, and typing
• Close vision of 18–20 inches for computer work

Demonstrates expertise in Credit Risk Review processes, regulatory compliance, and data analytics, with a strong focus on developing key risk indicators and portfolio management analytics. Proven ability to collaborate across departments and provide insights for strategic decision-making in commercial and consumer banking.

• Credit Risk Review Management
• Data Analytics
• Regulatory Compliance
• Portfolio Management Analytics
• Commercial Banking

• Data Analytics
• Credit Risk Review
• Risk Management
• Key Performance Indicators
• Key Risk Indicators
• Regulatory Laws
• Credit Processes
• Portfolio Risk Trends
• Risk Ratings
• Credit Rating Systems

• Critical Thinking
• Problem Solving
• Interpersonal Skills
• Judgment
• Initiative

• Commercial Banking
• Consumer Banking
• Risk Management Oversight
• Regulatory Guidelines
• Internal/External Audits

• Crowe 360
• Credit Risk Review Systems