Corporate Credit Portfolio Risk Manager

Glacier Bancorp, Inc.•Bozeman, MT

9h•Hybrid

About The Position

Under the direction of the GBCI Chief Credit officer, the Credit Portfolio Risk Manager will use quantitative data, critical thinking, and problem solving to coordinate, improve, and participate in a wide variety of credit risk and loan portfolio management functions to determine the amount and trends in the credit risk metrics of the bank’s loan portfolios and administration of the bank’s respective loan portfolios and operating systems. The position is part of our Credit Administration Management team, which assists senior management and the board of directors in assessing, identifying, mitigating, and monitoring the corporation’s key credit risks as a means to protecting the long-term safety and soundness of the company. This is a Corporate position which may be located in an available bank division across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY. Responsible for evaluating and overseeing model performance of the Allowance for Credit Losses (ACL) reporting per CECL and accounting guidance. Produce analytical evaluations and reports relating to credit quality, loss forecasting, and ACL for assigned portfolios and Bank Division segments. Responsible for risk assessment activities consistent with the banks ERM framework, industry best-practice, and regulatory guidance. Support disclosures of allowance calculation for public reporting and respective documentation to external auditors and regulators. Prepare reports describing the results of the validation analyses and list the recommendations for addressing any issues identified and managing the resolution of the findings. Review ongoing model performance and assess overall model health within a given framework, identify potential problems, and work with stakeholders to resolve issues. Be comfortable working with, and articulating complex matters to senior management specifically credit and finance teams in written and verbal communications. Coordinate and manage the credit risk reporting function and develop risk-related reports and supporting documentation. Utilize analytical, statistical, financial and economic tools, software, and concepts that can be used by management in making well-informed credit administration and loan production decisions. Develop, enhance, implement, execute, and maintain such reports and present to bank management, bank committees, Board of Directors and external parties when warranted. Participate in the due diligence process for new or changing products, services, and endeavors. Participate in the due diligence process of evaluating credit portfolio quality of potential bank acquisitions. Support data governance initiatives including the defining, collecting, reconciling, testing, controlling, and storing data. Conduct interviews and/or facilitate workshops. Provide direction through collaboration with relevant committees and working groups. Manage the development, implementation and monitoring of the loan origination systems while supporting the Bank Division’s loan production staff and GBCI Loan Operations. Facilitate vendor assessments, engagements, contracts and performance. Work closely with the IT Project Management and Business Applications Departments to ensure seamless implementation and execution of the respective systems. Work with bank regulators, credit review consultants, ERM, accounting staff and internal and external auditors. Research and analyze safety and soundness regulations and industry best practices regarding credit risk management. Works with all GBCI and Bank Division management on corrective actions of existing findings and the development of initiatives for new regulations, accounting requirements, credit review findings and internal control processes. Assesses current standing with regards to developed action plan to determine if additional administrative requirements are necessary. Expedite corrective action when credit risk exposure exceeds the Bank’s credit risk appetite. Provide guidance and support to the Bank Divisions and loan production departments in the development and documentation of the respective credit risk objective and control processes. Provide support to Bank Management, Bank Divisions and Loan Production staff on data analysis and risk reporting needs for the identification, measuring, monitoring, and controlling of credit risk exposures. Facilitate and recommend proactive improvements to existing credit administration and lending processes. Support various aspects of credit stress testing, including model evaluation, validation of assumptions and respective documentation. Provide insights for the valuation of parameters for utilization in the development of credit stress testing. Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.

Requirements

Bachelor’s Degree in Mathematics, Economics, Business Administration, Finance, Accounting, Business Information Systems required.
A minimum of ten years of progressively responsible experience in commercial banking, credit administration, credit portfolio management, credit risk analytics, or a related financial-services discipline.
Experience must include substantial responsibility for analyzing commercial and consumer loan portfolios; monitoring credit quality, concentrations, exceptions, and emerging risk trends; developing management and Board-level credit-risk reporting; and supporting ACL/CECL, stress testing, regulatory examinations, audits, or other credit-governance activities.
In-depth knowledge of commercial and consumer credit, loan underwriting and administration, portfolio segmentation, risk-rating practices, criticized and classified asset identification, concentration management, policy and underwriting exceptions, and key asset-quality indicators.
Working knowledge of ACL/CECL methodologies and model-performance monitoring; credit stress testing; data governance and reconciliation; internal controls; regulatory and audit expectations; public-company allowance disclosures; and loan origination and credit-administration systems is required.
Must be able to interpret portfolio, financial, accounting, and economic data and translate the results into practical risk conclusions and recommendations for senior management and the Board.
The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust.
Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position.
The ability to collaborate, motivate, persuade, and influence stakeholders at all levels is a critical component of the position. Internal and external stakeholders include the board, executive management, business units, auditors, consultants, and regulators.
A practical knowledge of statistical analysis tools and techniques used in risk management, an ability to quickly identify and quantify levels of risk to provide a road-map for mitigation of risk.
This is a statistical modeling/mathematical theory role using complex mathematical concepts and requires advanced and technical mathematical/statistical techniques.
Effective oral, written, and interpersonal communication skills demonstrated by the ability to read and interpret documents; write policies and procedures; create analytical reports; and speak persuasively with employees, management, regulatory, and vendors.
Advanced proficiency with Microsoft Excel and Word.
Self-starter with ability to take ownership and accountability of assignments.
Possess strong project management skills with the ability to design and execute new programs.
Solid relationship building and management skills; professional demeanor and relentless follow-through in a non-threatening manner.
Proven record of working with all levels of an organization’s business and technology departments.
Proven strong problem solving, analytical and technical skills to understand and identify business needs in order to communicate solutions, and execute implementation of solutions.
Will have exposure to sensitive information, and must use considerable tact, diplomacy and judgment.
Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
Employee must be capable of regular, reliable, and timely attendance.
Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Must complete the assigned online training courses and achieve a passing score by due date.

Nice To Haves

An advanced degree or project-management certification is preferred.
Experience leading cross-functional projects involving Credit Administration, Finance, ERM, Loan Operations, Information Technology, or Bank Division personnel is strongly preferred.
Hands-on experience using SQL or comparable query tools to extract, reconcile, validate, and analyze loan-level data; developing recurring dashboards and executive reports in Cognos or a comparable business-intelligence platform; and working with Jack Henry core or related lending data is preferred.
Experience with ACL/CECL applications, credit-risk or stress-testing platforms, loan origination systems, data warehouses, report automation, and system or vendor implementations is also preferred.

Responsibilities

Evaluate and oversee model performance of the Allowance for Credit Losses (ACL) reporting per CECL and accounting guidance.
Produce analytical evaluations and reports relating to credit quality, loss forecasting, and ACL for assigned portfolios and Bank Division segments.
Conduct risk assessment activities consistent with the banks ERM framework, industry best-practice, and regulatory guidance.
Support disclosures of allowance calculation for public reporting and respective documentation to external auditors and regulators.
Prepare reports describing the results of the validation analyses and list the recommendations for addressing any issues identified and managing the resolution of the findings.
Review ongoing model performance and assess overall model health within a given framework, identify potential problems, and work with stakeholders to resolve issues.
Coordinate and manage the credit risk reporting function and develop risk-related reports and supporting documentation.
Utilize analytical, statistical, financial and economic tools, software, and concepts that can be used by management in making well-informed credit administration and loan production decisions.
Develop, enhance, implement, execute, and maintain reports and present to bank management, bank committees, Board of Directors and external parties when warranted.
Participate in the due diligence process for new or changing products, services, and endeavors.
Participate in the due diligence process of evaluating credit portfolio quality of potential bank acquisitions.
Support data governance initiatives including the defining, collecting, reconciling, testing, controlling, and storing data.
Manage the development, implementation and monitoring of the loan origination systems while supporting the Bank Division’s loan production staff and GBCI Loan Operations.
Facilitate vendor assessments, engagements, contracts and performance.
Work with bank regulators, credit review consultants, ERM, accounting staff and internal and external auditors.
Research and analyze safety and soundness regulations and industry best practices regarding credit risk management.
Work with all GBCI and Bank Division management on corrective actions of existing findings and the development of initiatives for new regulations, accounting requirements, credit review findings and internal control processes.
Assess current standing with regards to developed action plan to determine if additional administrative requirements are necessary.
Expedite corrective action when credit risk exposure exceeds the Bank’s credit risk appetite.
Provide guidance and support to the Bank Divisions and loan production departments in the development and documentation of the respective credit risk objective and control processes.
Provide support to Bank Management, Bank Divisions and Loan Production staff on data analysis and risk reporting needs for the identification, measuring, monitoring, and controlling of credit risk exposures.
Facilitate and recommend proactive improvements to existing credit administration and lending processes.
Support various aspects of credit stress testing, including model evaluation, validation of assumptions and respective documentation.
Provide insights for the valuation of parameters for utilization in the development of credit stress testing.
Comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Complete assigned online training courses and achieve a passing score by due date.