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Job Details

Senior Credit Risk Analyst

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Job #: 15381
Status: Inactive / Filled
Title: Senior Credit Risk Analyst
Job Location: OH-Cleveland
Lower Midwest (IL, IN, IA, KS, KY, MO, NE & OH)
Job Categories: Commercial Lending - Real Estate; Investments & Securities; Mortgage Banking
Industries: Banking
Base Compensation:
Low: $60,000       High: $85,000
Total Compensation:
Low: $60,000       High: $85,000
Overnight Travel: None Listed
Is Employer Willing to Relocate?: No
Employment Type: Full Time / Direct Hire
Why is This a Great Opportunity?
One of the best Companies in Cleveland to be part of and without a doubt offering the best work/life balance. You cannot work beyond 5PM and you cannot take work home!
Job Description:
The Senior Credit Risk Analyst is on the Credit Administration team within Risk Management. The responsibilities of the position include analyzing our loan portfolio and production to evaluate and report on our credit requirements, production trends, portfolio performance, market trends, and areas of developing risk and opportunity. The candidate should have a strong understanding of the overall lending process, with specific focus on the residential real estate market, including origination, funding, servicing and loan workout. The candidate must be well organized and able to work in a team environment under the general direction and supervision of the Chief Credit Officer for the Association. Responsibilities: Develop, maintain and enhance enterprise-level Credit Risk Reports and Key Risk Indicators for the residential real estate loan portfolio to assist management in strategic and tactical decision making and risk management. Issue monthly as well as quarterly executive-level credit risk reports providing assessment of performance against key risk indicators, trend analysis, and qualitative commentary. Develop and maintain appropriate reports and analytics to monitor and trend the credit risk in the loan portfolio. Measure and report on movements in the risk levels and provide qualitative analysis and feedback on the reasons for and potential impact of the change in risk profile. Research and analyze external trends to support the ongoing enhancement of ’s underwriting and credit standards, servicing procedures, work-out solutions, charge-off and loss recognition policies and procedures. Assist in the ongoing management of the comprehensive Credit Policy, including but not limited to maintaining the documentation and reporting on credit risk, concentration risk, account management standards, and modification and workout solutions. Work closely with our Analytics and Modeling team to ensure that loan performance and risk appetite is properly considered in the development and maintenance of various account management and origination models. Assist in the preparation and support of any third party reviews and audits including mortgage insurance company quality control reviews, FNMA Lender Assessment, etc. Actively participate in and provide support, direction and insight to the system development team specifically relating to the underwriting processes and procedures. Keep abreast of changes in the banking and regulatory environment and their potential impact . Recommends process and product changes as needed. Represent the department and actively participate on project teams. Required Qualifications: BSBA in Accounting, Finance, Economics or other business related discipline 5 years of current credit or risk management experience in a bank or financial institution. Working knowledge of federal consumer and residential lending regulatory guidelines and underwriting standards. Working knowledge of Fannie Mae/Freddie Mac and mortgage insurance guidelines is preferred. Working knowledge of the underwriting and approval processes relating to residential mortgage and home equity lending. Working knowledge of the lending cycle in order to create and interpret meaningful reports Ability to effectively build productive working relationships and proven ability to work in a team environment. Excellent analytical skills with proven ability in analyzing large data sets, and summarizing extensive analytics into trends and scorecards Excellent organizational skills Strong verbal, written and interpersonal communication skills Ability to review and interpret third party (FNMA, OCC, etc.) guidelines then recommend possible policy and process enhancements.
Mandatory Minimum Qualifications - Must Have: Degree with a minimum of 5 years of Credit Risk analysis in banking
Preferred Qualifications: Knowledge of Freddie Mac and/or Fannie Mae mortgage guidelines
Education: Bachelor's
Certifications: None
Licenses: None
Total Years of Experience: 5-6+
Years of Experience in Present Position: 3-4+
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