Credit Risk Review

About the Role

The Credit Risk Review Analyst evaluates the risk of the existing credit portfolios, ensuring compliance and risk mitigation. The position helps identify potential risks, make recommendations, and ensure the overall quality of the bank's credit assets.

Responsibilities

• Leads development and enhancement of Credit Risk Review; establishes review thresholds appropriate for the portfolio.
• Compiles detailed work papers for presentation to bank management and external auditors, covering cash flow, loan trends, loan structures, industry trends, potential risks, and exceptions to bank policy.
• Evaluates the bank's most complex loans and investments, including commercial real estate (CRE) and business (C&I) loans to ensure compliance with applicable laws, regulations, and internal policies.
• Conducts in-depth credit analysis on historical and projected financial information.
• Assesses individual loans to determine cash flow adequacy, collateral positions, and appropriate structures, ultimately assigning a loan risk grade.
• Reports findings, shares recommendations, and discusses the quality of the portfolio with Head of Risk Management.
• Trains staff on trends or gaps for loan officers.
• Conducts independent review of the loan portfolios to ensure compliance with internal policies, regulatory requirements, and sound credit practices.
• Collaborates with other departments such as Lending, Compliance, and Audit, to assess quality of the loan portfolio and identify potential risks.
• Assesses risks and opportunities within assigned portfolios and translates insights into actionable credit strategies.
• Conducts advanced analysis to identify trends, root causes, and emerging risks, providing clear recommendations to senior leadership.
• Performs the full range of work assigned and other duties as assigned.

Requirements

• Bachelor's Degree in Finance, Accounting, Business or other discipline required.
• Possession of, or ability to obtain, a valid State of Colorado Driver's License required.
• For AVP-VP level: Preferred 3-6 years working in Risk Management, Audit, or related area, with supervisory experience.
• For VP-SVP level: Preferred 7-10 years working in Risk Management, Audit, or related area, with supervisory experience.
• Proficient in Microsoft Office Suite and Adobe Acrobat.
• Ability and willingness to relocate if necessary.
• Strong knowledge and understanding of regulatory requirements for various types of portfolios.
• Expertise in data analysis tools such as SQL, SAS, or similar platforms.
• Understanding of banking security-related regulations, policies, and procedures, and the ability to analyze account characteristics to assess potential risk.
• Sufficient knowledge and understanding of the banking industry.
• Outstanding oral and written communication skills.
• Sufficient interpersonal skills and ability to effectively interact with colleagues, management, and leadership.
• Sufficient analytical and problem-solving skills.
• Ability to organize and analyze financial information and accurately perform complex financial calculations.
• Ability to network, negotiate, and build relationships.
• Ability to budget, analyze, and manage one or more income statements and balance sheets.
• Ability to work independently.

Skills

• Provides and receives mentoring in a mature and open manner.
• Demonstrates adaptability and change management skills.
• Ability to translate technical risk data into clear, actionable reports for senior management.
• Embodies the bank's vision, mission, and values.
• Effortlessly works in a fast-paced environment with a desire for professional growth.
• For VP-SVP level: Ability to translate the bank's vision, mission, and values to empower and motivate.
• Understands business implications of decisions; demonstrating knowledge of the market, competition, and profitability.
• Advanced oral and written communication skills.
• Ability to share expertise with others.
• Advanced interpersonal skills.
• Demonstrated ability to effectively interact with colleagues, management, and leadership.
• Advanced analytical and problem-solving skills.
• Proficient in organizing and analyzing financial information and accurately performing complex financial calculations.
• Excellent negotiation ability, including the ability to explore positions and alternatives to reach outcomes that gain acceptance of all parties.
• Demonstrated ability to budget, analyze, and manage one or more branch income statements and balance sheets.

Working Conditions

This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, and multifunction printers. Travel to conferences, meetings, and branch locations may be required on occasion.

• This is largely a sedentary role.
• While performing the duties of this job, the employee is regularly required to talk and hear.
• Good eyesight and hand/finger dexterity are required.
• Specific vision abilities required include close vision, distance vision, color vision, and ability to adjust focus.
• Ability to remain calm and professional during intense conversations.
• Employee may have to lift up to 25 pounds.

Pay

Starting range of pay is from $100,000.00 to $130,000.00 per year, depending on experience.

Benefits

For an overview of employee benefits, please visit the Alpine Bank Careers Page.