Credit Portfolio Analyst

Conduct risk assessments and client credit analysis with supervision. Review financial results and peer analyses to support the preparation of financial projections. Assist in the preparation of green-light and transaction approval memos. Support due diligence activities and the building of cash flow models and sensitivity analyses. Escalate credit concerns and updates to senior risk and business managers. Assist with portfolio review preparation and the conduct of stress tests. Build working relationships with various teams across the bank, including deal, coverage, and product teams. Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency. Provide input into the risk analysis of tools used to monitor Credit Risk Exposure Assist in the assessment of collateral risk and stress testing. Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders. Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits. Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty. Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures. Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes. Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization. Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities. Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team. Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness. Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements. Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals. Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals. Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development. Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities. Empathetically listens and understands others' positions before acting on issues; works to amplify voices that are minimized in the workplace 2-6 years of experience in credit risk analysis or corporate banking Knowledge of accounting and corporate finance, risk management, credit and banking products, credit analytics, risk assessment, and transaction execution. Familiarity with data interpretation and ability to challenge decisions based on data analysis. Basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies. Ability to interpret data, make sound decisions, and challenge the basis of the analysis. Adds value and contributes to the success of the team. Understands and challenge various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity. Clear and concise written and verbal communication. Ability to work with little direction and in a team. Problem-solving skills to identify, analyze, and challenge basic problems. Familiarity with risk management software and other relevant technologies. Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment. Familiarity software and other industry-specific tools for efficient data management and analysis. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------