Manager, Commercial Credit Risk Analyst

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Responsible for Commercial Credit Risk & Profitability Analysis, continued implementation of a Two Dimensional Risk Rating protocol and representing Credit Administration in implementing Commercial Credit process improvements.

• Responsible for Commercial Risk Policy development, driving change within the Organization - to maintain or exceed both Corporate Commercial Asset Quality and Profitability goals while supporting Commercial Loan Growth.
• Reviews and analyzes the Company's Commercial Loan Portfolios as to credit risk considerations to maintain quality control and minimize loss and maximize profitability.
• Responsible for developing quantitative/analytic models and applications in support of the Company's risk management effort.
• Responsible for creation of analytical methods to assess Commercial market, credit and/or operational risks of new and existing credit products.
• Assists the Director of Credit Risk Analytics and/or Senior Credit Admin Officer by researching and implanting various programs and projects.
• Responsible for the successful implementation of SunGard Optimist and Strategist and ensuring maximum utilization post implementation to achieve stated objectives.
• Secondary Duties:
• Assists with training of the franchise on Commercial and Business Banking Loans.
• Builds relationships throughout the franchise relative to Commercial Credit Risk Management.
• Responsible for ensuring that system changes support the unit with reporting needs.
• Responsible for all reports that monitor and track Commercial Credit Risk trends.
• Performs all other duties as assigned.

Directly supervises two to four non-supervisory employees and carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

• Bachelor's degree from a four-year college or university; six to eight years of related experience and/or training; or equivalent combination of education and experience
• Language Skills
  • Ability to communicate effectively orally and in writing using the English language
  • Ability to read, analyze, and interpret common scientific and technical journals, financial reports and legal documents
  • Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community
  • Ability to write speeches and articles for publication that conform to prescribed style and format
  • Ability to effectively present information to top management, public groups, and/or boards of directors
• Mathematical Skills
  • Ability to apply advanced mathematical concepts such as exponents, logarithms, quadratic equations and permutations
  • Ability to apply mathematical operations to such tasks as frequency distribution, determination of test reliability and validity, analysis of variance, correlation techniques, sampling theory and factor analysis.
• Reasoning Ability
  • Ability to define problems, collect data, establish facts and draw valid conclusions
  • Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables
• Computer Skills
  • Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, Access and PowerPoint
  • Ability to learn or knowledge of Outlook email program
• Certificates, Licenses, Registrations
  • No specific certifications, licensure or registrations are needed to satisfactorily perform this job

• Ability to work under stress and meet deadlines
• Ability to operate related equipment to perform the essential job functions
• Ability to read and interpret a document if required to perform the essential job functions
• Ability to travel if required to perform the essential job functions
• Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.