Credit Risk Modeling & Reporting Manager at Sunflower Bank NA

Dallas, Texas, United States -

Full Time

Start Date

Immediate

Expiry Date

12 May, 26

Salary

0.0

Posted On

11 Feb, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Management, Data Analysis, Excel, SQL, Reporting, Collaboration, Communication, Risk Assessment, Modeling, Financial Analysis, Dashboard Development, Automation, Regulatory Compliance, Economic Research, Loan Portfolio Management, Presentation Skills

Industry

Banking

Description

Description At Sunflower Bank, N.A., we’re experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it’s what we do every day for clients and associates. Learn more about Sunflower Bank, N.A. at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position of a full-time Credit Risk Modeling & Reporting Manager. Description: The Credit Risk Modeling & Reporting Manager will Lead loan loss reserve estimation each quarter and month end for the bank, exhibiting self-initiative and support insight-driven performance reporting and forecasting assembly. Execute, document and explain the quarterly CECL ACL & RULC estimation processes. The process is centered in properly loading a large amount of carefully staged, derived and vetted loan attribute data and risk parameter data into Moody’s Impairment Studio using a PD/LGD with EAD approach and requires excel-based derivation of multiple risk parameters and a small amount of final, appropriately documented, manual data adjustments. Continually seek to enhance process automation and expand result insight. Assume a lead role over time in presenting loss reserve estimation results. Closely monitor, track and assemble key economic variable trends and collaborate with other credit analytics team members to continually enhance relevant economic and credit quality performance trends, and proactively develop dashboards within which analysis and trends can be continually assessed in a user-friendly, intuitive and insightful fashion. Collaborate with Enterprise Risk Management to help track and report ERM initiatives within the Credit domain. Collaborate with other reporting team members and financial reporting team members to assist in the confirmation internally and externally (publicly) reported information. Position requires a combination of attention to detail, strong MS Excel and SQL skills, report development, team-based collaboration and effective communication abilities, especially with internal and external audit partners and the assembly and presentation of data in an intuitive format. Experience with public reporting (on a major stock exchange) and at least one merger integration a plus. Responsibilities: Maintain all aspects of the ACL and RULC modeling governance, policy and process (work instruction) documents. Proactively identify, document and seek approval for documentation updates. CECL – Execute CECL data and assumption collection and assembly in Moody’s ‘cloud-based’ Impairment Studio® Lifetime Credit Loss Estimation Model, placing diligent emphasis on data integrity, economic research and assumptions, model calculations and maintenance. Support credit risk stress testing analysis and interface with financial planning to incorporate credit stress testing considerations into enterprise-wide strategic plans. Assist in the evaluation of pro forma loan loss reserve levels for potentially acquired loan portfolios and otherwise support potential acquisition credit risk due diligence. Assist with assembly of credit quality / grade mix Base Case and Downside Case Forecasts. Assemble/enhance excel-based dashboard reports covering loss reserve and loan portfolio composition and trends. Work to automate dashboard reports within Power BI. Support ERM with risk management initiative tracking and related KRI tracking and assembly. Collaborate with financial reporting to confirm the completeness and accuracy level of external reporting performance information. Participate in the compilation of materials requested for audits and exams. Monitor new developments in lending and changing government regulations. Help inform and re-enforce bank policies with lending and credit team members as needed. With the Director Credit Admin & Analytics support the proactive maintenance of credit risk policies and the documentation of processes and procedures for the bank. Assist in the Development of new analytical tools when needed. Administer loss reserve modelling and risk management software updates and reporting. Complete special projects as needed. Comply with all banking laws and regulations; attend and complete all mandatory and compliance training. Education / Experience Preferred: Bachelor’s Degree in Accounting, Finance Economics or Data Science. Three to Eight (3 to 8) years of risk quantification and management reporting experience and demonstrated, solid understanding of credit risk quantification, credit risk management processes, portfolio management and risk assessment or commensurate experience. CPA and/or CFA Certification a plus. Self-starter able to work with or independent of others. Ability to prioritize multiple tasks and assignments. Excellent (Advanced) Microsoft Excel and Word computer skills with a solid understanding of mathematics. Demonstrated understanding of Risk Exposure Modeling and Reporting. Solid working knowledge of SQL, VBA and structured data sets and reporting tools a big plus. Experience within public reporting banking institution is strongly preferred. Ability to evaluate financial statements and read and understand complex loan documents. Excellent verbal and written communication skills, including effective collaboration skills. Ability to prepare, present and explain reports and process methodology. Knowledge of call report and FISERV system coding desirable. Pay is dependent on knowledge, skills, abilities, experience, and location. Working Conditions The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Sunflower Bank Benefits People choose to “bank” with us, but for those we serve, we’re more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates enjoy outstanding benefits, including: 401(k) Plan with 6% Match Health/Dental/Vision Insurance Company-paid Life Insurance Tuition Reimbursement Fitness Reimbursement Paid Time Off Volunteer Leave Paid Holidays Plus many more associate perks & incentives! If you qualify, apply online at www.sunflowerbank.com/careers. You’ve never worked anyplace like Sunflower Bank! EOE/AA: Minorities/Females/Disabled/Vets Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law. Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.

Responsibilities

The Credit Risk Modeling & Reporting Manager will lead loan loss reserve estimation and support performance reporting and forecasting. The role involves collaborating with various teams to enhance credit quality performance trends and develop insightful dashboards.