Credit Risk Analyst

About the Role

This role supports the efforts of Credit Risk Administration in maintaining sound and effective management of the Bank’s credit exposures by providing a robust Dual Risk Rating (DRR) system.

• Develop and maintain risk rating scorecards including statistical models for assigned portfolios.
• Develop and produce complex reports and related data flows.
• Provide frontline partner support and relevant credit policy support.
• Adhere to the Bank’s Credit Risk Management policies and regulations.
• Develop and maintain PD and LGD risk rating scorecard models for assigned portfolios including statistical quantitative, qualitative, and combined scoring methodology.
• Support the maintenance of the Bank’s PD and LGD Master Rating Scales.
• Design and develop risk rating reports and analytical dashboards for various audiences using BI tools with complex and large data sets.
• Support frontline lending partners by contributing research and commentary to risk rating modeling discussions for complex and sizable borrowers.
• Act as a subject matter expert for systems procedural matters affecting operations.
• Complete and maintain model documentation for assigned models.
• Work with Model Risk Management to ensure models are validated and remediate any findings.
• Develop and perform ongoing model monitoring tests and procedures evaluating the continued validity of assigned models; recommend changes as needed.
• Develop data flows necessary to facilitate model testing, research, and reporting; collaborate with internal partners for database development as needed.
• Collaborate with various departments and project teams to maintain effective controls and efficient risk rating functionality.
• Recommend credit policy changes related to risk rating practices of assigned portfolios; assist with writing relevant credit policy as needed.
• Present relevant subject matter to senior management and other interested parties including various bank personnel and regulators.
• May function as a team leader responsible for assigning work and resolving problems.
• May be asked to coach, mentor, and/or train others and teach coursework as a subject matter expert.
• Demonstrate compliance with all bank regulations for assigned job function; keeps up to date on regulation changes.
• Follow all Bank policies, procedures, and compliance regulations; complete all required annual or job-specific training.
• Actively learn, demonstrate, and foster the corporate culture in all actions and words.
• May perform other duties as assigned.

Requirements

• Bachelor’s Degree in finance, economics, business, accounting, or related field required.
• Advanced degree and/or related certification in the same field is preferred.
• 4-7 years of credit risk-related experience with Commercial & Industrial or Commercial Real Estate loan types.
• Must demonstrate proficient understanding of credit concepts, common lending practices, and underwriting techniques for one type.
• Commercial underwriting or lending experience is preferred.

Skills

• Proficient understanding of databases, queries, data flows, and related systems; must demonstrate proficiency with writing SQL.
• Proficient understanding of statistics and predictive modeling techniques; experience with credit risk models and/or relevant industry certifications is preferred.
• Proficient with personal computers, MS Office (e.g., Word, Excel, PowerPoint), and other business systems; advanced skill in Excel and functional familiarity with other BI technologies is required.
• Experience with PowerBI or R is preferred.
• Ability to review, manipulate, and analyze complex and large data sets.
• Excellent written and verbal communication and organizational skills.
• Ability to prioritize and manage multiple tasks successfully, be detail-oriented, and operate under scheduled deadlines.
• Possess aptitude for learning technical skills and concepts quickly.

Travel Requirements

Occasional travel may be required.

Pay

The pay range for this role is $90,000 to $120,000. The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation.

Schedule

Ability to work fully onsite at posted location(s): 6610 SW Cardinal Lane 2nd Floor, Tigard, OR 97224.

Benefits

We are proud to offer a competitive total rewards package including:

• Comprehensive healthcare coverage (medical, dental, and vision plans).
• 401(k)-retirement savings plan with employer match for qualifying associate contributions.
• Employee assistance program.
• Life insurance and disability insurance.
• Tuition assistance.
• Mental health resources.
• Identity theft protection and legal support.
• Auto and home insurance, pet insurance.
• Access to an online discount marketplace.
• Paid vacation, sick days, volunteer days, and holidays.

Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.