Responsible for Commercial Credit Risk & Profitability Analysis, continued implementation of a Two Dimensional Risk Rating protocol and representing Credit Administration in implementing Commercial Credit process improvements.
Responsible for Commercial Risk Policy development, driving change within the Organization - to maintain or exceed both Corporate Commercial Asset Quality and Profitability goals while supporting Commercial Loan Growth.
Reviews and analyzes the Company's Commercial Loan Portfolios as to credit risk considerations to maintain quality control and minimize loss and maximize profitability.
Responsible for developing quantitative/analytic models and applications in support of the Company's risk management effort.
Responsible for creation of analytical methods to assess Commercial market, credit and/or operational risks of new and existing credit products.
Assists the Director of Credit Risk Analytics and/or Senior Credit Admin Officer by researching and implanting various programs and projects.
Responsible for the successful implementation of SunGard Optimist and Strategist and ensuring maximum utilization post implementation to achieve stated objectives.
Assists with training of the franchise on Commercial and Business Banking Loans.
Builds relationships throughout the franchise relative to Commercial Credit Risk Management.
Responsible for ensuring that system changes support the unit with reporting needs.
Responsible for all reports that monitor and track Commercial Credit Risk trends.
Performs all other duties as assigned.
Bachelor's degree from a four-year college or university; six to eight years of related experience and/or training; or equivalent combination of education and experience.
Ability to communicate effectively orally and in writing using the English language.
Ability to read, analyze, and interpret common scientific and technical journals, financial reports and legal documents.
Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community.
Ability to write speeches and articles for publication that conform to prescribed style and format.
Ability to effectively present information to top management, public groups, and/or boards of directors.
Ability to apply advanced mathematical concepts such as exponents, logarithms, quadratic equations and permutations.
Ability to apply mathematical operations to such tasks as frequency distribution, determination of test reliability and validity, analysis of variance, correlation techniques, sampling theory and factor analysis.
Ability to define problems, collect data, establish facts and draw valid conclusions.
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, Access and PowerPoint.
Ability to learn or knowledge of Outlook email program.
No specific certifications, licensure or registrations are needed to satisfactorily perform this job.