Credit Portfolio Analyst II

• Conduct risk assessments and client credit analyses 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
• Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry
• Assist with portfolio review preparation and the conduct of stress tests
• Build working relationships with various teams across the bank
• Appropriately assess risk when business decisions are made
• Support compliance with applicable laws, rules, and regulations
• 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
• Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits

• 1+ year of experience in credit risk analysis or corporate banking
• Experience in financial analysis, accounting, and valuation
• Knowledge of accounting and corporate finance, financial modeling, 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
• Ability to interpret data, make sound decisions, and challenge the basis of the analysis
• 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
• Good programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in PC, UNIX environments
• Highly proficient in Excel/pivot tables and PowerPoint
• VBA a plus
• Strong communication and presentation skills targeting a variety of audiences
• Ability to work with cross functional teams
• Flexibility in approach and thought process
• Ability to work effectively across portfolio risk policy teams and functional areas teams
• Bachelor's degree/University degree or equivalent experience

VBA programming skills