Credit Risk Analyst

Vantage Bank • McAllen, TX

5d

About The Position

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our employees, embracing diversity, fostering meaningful connections, and providing outstanding service every step of the way. JOB SUMMARY The Credit Risk Analyst performs essential risk management processes and assignments pertaining to the concentrations of credit program, the allowance credit losses (ACL) calculation and the management of the Bank’s loan policy. They assist in completing internal and external audit requests, credit quality analyses, Senior Management reports and other specific assignments as they arise. ESSENTIAL DUTIES The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.

Requirements

• Bachelor’s degree in Business or related field required.
• Prior banking experience relating to credit preferred.
• Must have strong analytical skills, with the ability to present risk management conclusions and recommendations based on detailed loan portfolio data, business periodicals, professional journals, and other general market data.
• Strong computer skills including proficiency with Microsoft Office suite of products (specifically Word, Excel and PowerPoint) and the ability to learn and utilize custom banking systems and applications in a rapidly changing business and technology environment.
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Must be a self-starter with the ability to work independently and as part of a team.
• Ability to always maintain a high degree of ethical standards and complete confidentiality.
• All employees of Vantage Bank, herein referenced to as the “Bank”, must comply with the terms of the BSA Policy upon acceptance of this position. The primary responsibility for enforcement of this policy and its operating procedures rests with the BSA/AML/OFAC Officer. However, it is the responsibility of each employee to take the required BSA training modules and become familiar with and adhere to the Bank Secrecy Act, Anti-Money Laundering and Office of Foreign Asset Control Policy.

Nice To Haves

• Accounting or Finance degree strongly preferred.

Responsibilities

• Performs tasks and assignments related to the quarterly completion of the analysis of the Allowance for Credit Losses such as Individually Analyzed Impairment Analysis monitoring and tracking, Loan Modifications Due to Financial Difficulties review and monitoring, qualitative risk factors.
• Tracks and monitors concentrations of credits with the direction from Senior Credit Risk Analyst.
• Contributes to tasks and assignments pertaining to semi-annual market report analyses.
• Works on the preparation and submission of loan-related information for Call Reports.
• Engages in tasks and assignments related to loan portfolio stress testing.
• Assists in High Volatility Commercial Real Estate (HVCRE) loan compliance tracking and monitoring.
• Assists in High Loan to Value (HLTV) loan compliance tracking and monitoring.
• Collaborates on credit risk analysis for the Bank’s annual capital plan.
• Participates in special projects, gathering data/analyses and preparing reports for senior management, audit, regulators and other personnel.
• Prepares reports for the Board of Directors, Directors’ Loan Committee, and Senior Management detailing the Bank’s credit risk related compliance.
• Other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level