Portfolio Risk Analyst

First Interstate•Bend, OR

1d•$78,540 - $125,730

About The Position

The Portfolio Risk Analyst monitors portfolio risk across First Interstate Bank’s loan portfolio and conducts analysis and underwriting activities. The role develops and publishes risk-related reports on borrower and portfolio trends within parameters established by management. It supports credit risk analytics, reporting, risk assessment, portfolio reviews, policy development, and departmental controls. The position may be located at any of First Interstate Bank’s offices in Colorado, Idaho, Iowa, Missouri, Montana, Nebraska, Oregon, South Dakota, Washington, or Wyoming.

Requirements

High School Diploma or GED required.
7–9 years of experience in banking and/or an equivalent combination of education and experience required.
Experience writing and executing SQL code to support automated and recurring reporting processes.
Thorough knowledge of commercial banking activities, including cash flow analysis, collateral analysis, and problem loan management strategies.
Strong understanding of compliance requirements, regulatory guidelines, and FIB credit policies and procedures.
Advanced Microsoft Excel skills, including PivotTables, and proficiency with Microsoft Word and PowerPoint.
Strong analytical and problem-solving skills, exceptional attention to detail, and ability to identify problems, analyze data, establish facts, and draw sound conclusions.
Ability to read and interpret scientific and technical journals, financial reports, and legal documents.
Ability to develop and maintain stakeholder relationships, including with Relationship Managers, Credit Officers, and Risk Management personnel.
Ability to work effectively in a fast-paced environment, prioritize competing demands, meet strict deadlines, and adapt to changing priorities and workloads.
Self-motivated, collaborative, and able to support and inform credit risk decision-making and achieve individual and team objectives.
Ability to respond effectively to inquiries or concerns from customers, regulatory agencies, and members of the business community.
Ability to present information clearly and effectively to senior management, public groups, and boards of directors.
Ability to interpret technical instructions presented in mathematical, written, or diagrammatic form and manage abstract and concrete variables.
Regular and predictable attendance is required.

Nice To Haves

Bachelor’s Degree in Business, Finance, Accounting, or a related field preferred.

Responsibilities

Analyze portfolio trends, including policy exceptions, borrowing base monitoring, asset quality, loan loss history, key financial performance metrics, and loan-level data inputs.
Support the development of credit risk analytics, insight generation, data management and reporting, and forward-looking risk assessment capabilities.
Oversee monthly department performance monitoring and data input tracking.
Test, monitor, and generate industry and portfolio segment reports using data stored in the Loan Origination System.
Assist with regular portfolio reviews and analysis of credit performance outlook, portfolio risk profiles, and risk appetite monitoring.
Oversee and manage the PLSR process to ensure problem loans comply with policy requirements.
Produce analytical materials for cross-functional discussions and communicate findings to supervisors, risk team members, line staff, and Finance.
Generate monthly, annual, and ad hoc reports on the Bank’s loan portfolio.
Develop advanced knowledge of existing and new loan systems, including Fiserv, CreditTrack, and Primatics.
Assist with developing credit policies, procedures, and guidelines that support Credit Risk Management objectives.
Complete essential functions associated with departmental SOX controls.
Perform other job-related duties and special projects as assigned.