Credit Risk Portfolio Officer Senior

City National Bank•Charlotte, NC

12h

About The Position

Responsible for portfolio risk monitoring, identification and mitigation strategies for commercial and/or retail portfolios. Develops and recommends the 1st LOD's credit portfolio strategies to improve portfolio efficiency that will ultimately enhance shareholder value.

Requirements

BS/BA degree in Finance, Economics, Mathematics, Statistics or related field
Minimum 5 years of experience in credit risk portfolio management, credit administration, loan origination, and/or credit analysis
Minimum 3 years of banking experience
Ability to assess and quantify economic risks associated with lending and credit.

Nice To Haves

Consumer credit preferred with emphasis in finance with strong statistical and economics background
Experience in Banking with experience in portfolio management, credit analysis; credit administration, loan origination, credit analysis;
In depth knowledge of portfolio management practices; credit administration; loan underwriting standards;
Problem solving; analytical; written and oral communication; organized; ability to understand and convey concepts; ability to deal with ambiguity; computer proficiency;
Excellent skills working with large time-series data. Statistical background with data exploration and analysis using R, Python and Excel is required. Experience with Tableau or other visualization tools.
Capable of taking complex problems and data and make sense by providing robust insights and solutions.
Strong background in data analysis with ability to present complex technical solutions to business teams.

Responsibilities

Conduct ongoing reviews to monitor portfolio performance; identify areas of weakness (and strength) in performance. Develop insight into reasons for performance deviation. Promptly advise senior management of any changes in the trends (rating migration, delinquency, collateral, concentration, disruptors, KRIs, originations, etc)
Responsible for the ongoing risk management, performing credit quality assessments and related reporting of their assigned credit portfolios
Responsible for the development, execution and management of reporting and analytical needs
Monitor concentrations to improve portfolio diversification
Monitor, track and report on Risk Appetite metrics and concentration limits.
Utilize sensitivity analysis, stress testing, market trend, and other analytical methodologies to anticipate any credit trends or deterioration and obtain insights into portfolio performance and market opportunities
Create and delivering presentations that include portfolio activities, analytics of risk, performance, emerging trends and opportunities
Lead the development of analytics and advanced visualization to assist with portfolio credit risk surveillance
Track policy exceptions that will provide meaningful feedback to understand credit portfolio risk, future potential credit problems, and provide feedback to Credit Policy team to review and enhance underwriting guidelines
Ensure the quality and data integrity of the monthly and quarterly reports
Coordinate activities with other departments in the bank responsible for risk management including Credit Administration, Enterprise Risk and Credit Risk Review
Explore new data sources within the organization decision making function
Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).

Benefits

Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
Generous 401(k) company matching contribution
Career Development through Tuition Reimbursement and other internal upskilling and training resources
Valued Time Away benefits including vacation, sick and volunteer time
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
Career Mobility support from a dedicated recruitment team
Colleague Resource Groups to support networking and community engagement

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