Credit Review Portfolio Risk Analyst I

First Commonwealth Bank•Pittsburgh, PA

About The Position

The Credit Review Portfolio Risk Analyst I administers the Abrigo DiCOM platform to support portfolio risk evaluation, risk-based loan sampling, borrower line sheet reviews, reporting, trend analysis, and identification of emerging risks. The role also uses approved AI tools to improve the efficiency, consistency, and quality of lending segment examinations. The analyst performs credit reviews across lending segments and contributes to departmental objectives while developing credit analysis expertise across a range of borrower financial and business profiles. The analyst develops proficiency in assessing borrower repayment capacity, validating assigned risk ratings, and reviewing the effectiveness of ongoing credit monitoring. Working with Credit Review Officers and, as needed, under guidance from the Senior Credit Review Manager, the analyst conducts detailed reviews of basic to moderate credit relationships and communicates results to management. The position requires proficiency in Microsoft Word and Excel, along with strong analytical, organizational, and problem-solving skills. Regional travel may be required, and the role may be eligible for telecommuting.

Requirements

Bachelor’s degree in Finance, Accounting, or a related field.
0–3 years of banking, credit, lending, audit, or related financial services experience.
Strong ability to apply financial institution policies and procedures to work performed.
Proficiency in Microsoft Word and Excel.
Excellent communication, organizational, problem-solving, and analytical skills, including the ability to define problems, collect data, establish facts, and draw conclusions.
Proficient reading, writing, and grammatical skills.
Valid driver’s license and availability for regional travel as needed.
Understanding of basic financial statements and credit principles, with the ability to analyze information and identify potential risk indicators.
Familiarity with loan agreements, collateral documentation, lien perfection, appraisals, covenant requirements, borrowing bases, and exceptions.
Working knowledge of banking regulations, credit policy, lending standards, internal controls, and safety-and-soundness expectations.
Ability to plan and execute review procedures, document work clearly, support conclusions, identify root causes, and communicate exceptions constructively.
Ability to prepare concise credit review narratives, findings, recommendations, and management-ready summaries.
Comfort using Excel and reporting tools to analyze loan populations, trends, concentrations, exceptions, and risk indicators.
Ability to collaborate professionally with lenders, portfolio strategists and managers, credit administration, risk management, internal audit, and external examiners while maintaining independence.
Attention to detail and accuracy when reviewing documents, financial data, risk ratings, exceptions, and policy compliance.

Nice To Haves

Prior internship or entry-level experience in banking, credit administration, or finance.
Coursework or certifications in commercial credit, accounting, banking, internal audit, risk management, or financial analysis.
Interest in developing expertise in credit risk, regulatory expectations, accounting, industry analysis, and audit or review methodology.

Responsibilities

Administer the Abrigo DiCOM application, including portfolio risk assessments, data tracking and analysis, reporting, and data integrity.
Balance independent credit reviews across lending segments with systems data analysis, tracking, and risk assessment, and support review-specific and annual departmental objectives.
Develop credit analysis skills through exposure to borrower financial conditions, business profiles, industries, credit structures, and collateral evaluations.
Evaluate borrower repayment capacity, validate assigned risk ratings, and assess the effectiveness of ongoing credit monitoring activities.
Perform detailed analysis of basic to moderate credit relationships, with guidance from Senior Credit Review Officers as needed, and communicate results to management.
Assist with basic reviews by identifying exceptions, analyzing trends, compiling findings, and preparing results in standard report formats.
Review loan portfolios for adherence to applicable laws, regulations, policies, procedures, and prudent credit risk management practices.
Maintain current knowledge of laws, regulations, policies, and emerging credit risk practices affecting Credit Review.
Assist other Audit departments as needed and develop cross-functional review skills.
Coordinate and communicate with internal departments and external auditors to obtain information, clarify review matters, and support timely completion of review activities.
Gather information and documentation needed to support credit review team members.