Credit Risk Analyst

Camden National Bank-posted 12 days ago
Full-time • Entry Level
Portland, ME
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The Credit Risk Analyst I will evaluate the nature and level of risk in the loan portfolio for effective recommendations to be made that will impact growth, strategy, and policy. This position will monitor changing industry, market, and economic conditions; analyze their effect on loan losses, and partner with teammates and supervisor to make recommendations for balancing risk and growth.

  • Perform analyses of loan portfolio performance and trends.
  • Assist management in identifying emerging risks and overlapping trends.
  • Collaborate and communicate with peers in Credit Risk, Credit, Special Assets, and lending areas to research and quantify potential risk.
  • Provide support for the loan loss reserve analysis provided to the board of directors, quarterly.
  • This work involves performing key financial calculations, documenting support, and helping assess model accuracy and performance.
  • Assist with the production of the department’s quarterly internal (Board) and external (financial disclosures, press release) reporting.
  • This work includes being able to perform queries, validate data, and work within the company’s reserve software to produce final reports provided to executive management, select board committees, and the full board of directors.
  • Prepare materials for internal and external audits and examinations of credit risk activities, functions, and policies, including Sarbanes Oxley (SOX) testing of internal controls.
  • Provide support for executive and board meetings facilitated by Credit Risk Administration including the preparation of agenda and meeting materials, preparation and distribution of meeting minutes.
  • Attend education courses and seminars to enhance job skills.
  • Strong academic credentials, Bachelor’s degree or work experience equivalent
  • Intermediate in Microsoft Windows, Word, Power Point, and Outlook (or similar)
  • Proficient Excel capabilities
  • Database experience
  • Proven ability to work both independently and collaboratively
  • Attention to detail
  • Strong organizational and analytical skills
  • Clear oral and written communication
  • Commitment to on-going learning, skills development, teamwork
  • This position requires effective self-management and teamwork, but no direct management/supervisory responsibilities
  • Completed coursework and/or experience with statistical modelling
  • Bank experience, loan underwriting or equivalent coursework
  • Understanding of banking regulations and the role of internal policies
  • Robust medical, dental, and vision insurance packages
  • Generous time off, including paid federal holidays and paid day off for your birthday
  • 401(k) retirement savings plan
  • Tuition reimbursement, professional development, and career growth opportunities
  • Employee assistance program
  • Comprehensive wellness program
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