Financial Institutions Credit Risk Analyst
Overview:
The Senior Credit Risk Analyst is responsible for conducting in-depth credit analyses of key depository institution counterparties and supporting the management of core credit risk processes. This role plays a critical part in helping Enterprise Risk Management leadership make informed decisions to mitigate credit risk exposure. The position involves evaluating financial data, monitoring industry trends, and maintaining active engagement with external stakeholders including financial institutions, regulators, and third-party vendors.
Key Responsibilities:
Credit & Financial Analysis:
Analyze financial health of depository institutions using tools such as S&P Market Intelligence, regulatory filings, and confidential examination reports. Prepare written assessments to support credit decisions and collateral requirements. Recommend changes to credit status and monitoring lists.Reporting & Research:
Develop and interpret financial reports to guide ERM decisions related to lending and collateral. Collaborate across departments to integrate data and ensure compliance with internal and regulatory standards. Provide reporting to internal teams and external regulators as needed.Stakeholder Engagement:
Participate in discussions with financial institutions regarding their credit standing. Liaise with regulators and third-party entities to ensure sound credit risk practices.Regulatory Examination Coordination:
Manage requests for examination reports from federal and state regulators. Review and summarize findings to support credit risk assessments.Industry Monitoring & Special Projects:
Stay current on industry developments through continuous learning. Contribute to internal committees and lead special projects as assigned.
Qualifications:
- Minimum of 5 years of experience in financial statement analysis and credit risk assessment, preferably within the banking or financial services sector.
- Familiarity with regulatory reporting and financial data platforms.
- Excellent communication skills for engaging with external stakeholders.
- Ability to manage multiple priorities and work collaboratively across teams
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