Credit Risk Portfolio Officer Senior

at  City National Bank

SKILLS AND KNOWLEDGE

• Consumer credit preferred with emphasis in finance with strong statistical and economics background
• Experience in Banking with experience in portfolio management, credit analysis; credit administration, loan origination, credit analysis;
• In depth knowledge of portfolio management practices; credit administration; loan underwriting standards;
• Problem solving; analytical; written and oral communication; organized; ability to understand and convey concepts; ability to deal with ambiguity; computer proficiency;
• Ability to assess and quantify economic risks associated with lending and credit.
• Excellent skills working with large time-series data. Statistical background with data exploration and analysis using R, Python and Excel is required. Experience with Tableau or other visualization tools.
• Capable of taking complex problems and data and make sense by providing robust insights and solutions.
• Strong background in data analysis with ability to present complex technical solutions to business teams.

COMPENSATION

Starting base salary: $111,408 - $189,738 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

• To be considered for this position you must meet at least these basic qualifications

The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

• Conduct ongoing reviews to monitor portfolio performance; identify areas of weakness (and strength) in performance. Develop insight into reasons for performance deviation. Promptly advise senior management of any changes in the trends (rating migration, delinquency, collateral, concentration, disruptors, KRIs, originations, etc)
• Responsible for the ongoing risk management, performing credit quality assessments and related reporting of their assigned credit portfolios
• Responsible for the development, execution and management of reporting and analytical needs
• Monitor concentrations to improve portfolio diversification
• Monitor, track and report on Risk Appetite metrics and concentration limits.
• Utilize sensitivity analysis, stress testing, market trend, and other analytical methodologies to anticipate any credit trends or deterioration and obtain insights into portfolio performance and market opportunities
• Create and delivering presentations that include portfolio activities, analytics of risk, performance, emerging trends and opportunities
• Lead the development of analytics and advanced visualization to assist with portfolio credit risk surveillance
• Track policy exceptions that will provide meaningful feedback to understand credit portfolio risk, future potential credit problems, and provide feedback to Credit Policy team to review and enhance underwriting guidelines
• Ensure the quality and data integrity of the monthly and quarterly reports
• Coordinate activities with other departments in the bank responsible for risk management including Credit Administration, Enterprise Risk and Credit Risk Review
• Explore new data sources within the organization decision making function
• Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).