ACL & Credit Portfolio Manager

Position Function

The ACL & Credit Portfolio Manager is responsible for managing and directing activities in credit loss forecasting and allowance for credit losses (ACL), analyzing/reporting portfolio performance, monitoring for emerging credit risk, and synthesizing/incorporating market and economic trends.

Primary Accountabilities

• Oversight and execution of CECL models on a recurring basis, including data preparation, model runs, validation checks, and reconciliation to source systems.
• Management of credit risk reserves across diverse loan portfolios, ensuring alignment with accounting standards.
• Development and maintenance of reserve forecasting models, stress-testing frameworks, and scenario analyses.
• Identification of key drivers of reserve changes, trends in portfolio performance, and emerging credit risks using advanced data analytics.
• Creation of monthly and quarterly loan reporting; resolution of data integrity issues across departments.
• Continuous enhancement of evaluation metrics and data-driven reporting tools for the loan portfolio.
• Preparation of complex credit risk management reports and presentations for senior management and committees, offering analytics on asset quality, concentration, and diversification, expected portfolio performance.
• Partnering with lending units and management to proactively identify, assess, and mitigate emerging portfolio risk.
• Review and approval of well-supported documentation regarding forecast methodology and assumption decisions.
• Periodic review and updates of the ACL Committee charter, CECL and credit policies & procedures.
• Ensuring compliance with regulatory risk management requirements and directives.
• Overseeing the timely and accurate execution of SOX controls and periodic testing, partnering closely with Enterprise Risk Management to ensure compliance with applicable policy frameworks.

Minimum Qualifications

• Education: Bachelor’s Degree from an accredited 4-year university, preferably in Accounting, Finance, Business, Economics, Statistics, Mathematics, or related field required.
• Experience: 7+ years of experience in credit administration, credit risk analysis, forecasting, accounting, and/or loan portfolio reporting. 4+ years of experience managing staff, project teams, or cross-functional resources required. 2+ years of experience in statistical modeling or regression analytics preferred. 2+ years of experience in banking preferred.

Physical Requirements & Working Conditions

• Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated.
• Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications.
• Must be able to clearly communicate verbally and in writing with all internal and external customers.
• Must also be able to hear sufficiently to engage in daily discussions and interactions.
• Must be able to read and understand bank-related documents.
• Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time.
• Must also be able to adapt to different work environments as needed to perform the job.