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Evolve Bank & Trust · 5 hours ago

Credit Risk Analyst

Memphis, TN

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

Evolve Bank & Trust is seeking a Credit Risk Analyst to develop and evaluate credit risk indicators and implement risk policies. The role involves providing analytical support for credit approvals and portfolio structuring while coordinating with internal teams and external partners.

BankingFinanceFinancial ServicesPayments

Senior Management

Responsibilities

Prepare daily, weekly and monthly reporting on Open Banking Credit relationships which includes reports for Loan Committee and the Board as well as the quarterly call report

Provide Open Banking client policy assessment, process evaluation, commercial exposure assessment

Develop and evaluate risk indicators for Open Banking Credit, assessing performance against expectations, and develop forecast capabilities for credit risk and capital exposure

Assist Credit Administration team in implementation of Open Banking credit risk policies, procedures & underwriting guidelines

Perform monthly Current Expected Credit Loss forecast model

Support Paycargo Finance and other clients as needed and serve to coordinate requests for new credit approvals and renewals between clients and the Credit Administration team

Provide ad hoc data and analytical support for Chief Credit Officer

Assist in financial analysis, identification of the primary risk drivers, structuring of the loan portfolios, overall assessment of risk and ability to repay

Participate in the platform approval process and provide recommendations

Assist Loan Operations in solving loan related structure questions

Assist in the process of vetting new loan products or niche markets

Compile requested portfolio metrics for Chief Credit Officer

Special Projects and Requests, as needed

Work with Open Banking and support areas on training programs and concept reviews for specific loan requests

Qualification

Data analyticsCredit risk managementFinancial analysisE.D.A. toolsPortfolio life cycle assessmentJudgmentCommunication skillsAttention to detailProblem-solving

Required

Minimum of ten years' experience in data analytics in support of lending risk management, preferably at a financial institution or advisory firm

Bachelors' degree and sufficient coursework in business, economics, business analytics or similar areas

High level of accuracy, thoroughness, and orderliness in performing work assignments

Strong oral and written communication skills with the ability to communicate confidently with superiors and peers

Strong portfolio life cycle assessment knowledge

Attention to detail and accuracy

Analytical skills

Judgment and problem-solving skills

Demonstrate proficiency with E.D.A. tools (exploratory data analysis) such as SAS, Power BI, Microsoft Excel Pivot Tables, etc

Able to prioritize and reprioritize work tasks and deliver work product under tight deadlines

Comfortable with conflicting views of others and able to adequately express their point of view

Willingness to take ownership of recommendations and balance loan production with the proper risk/reward relationship

Preferred

Graduate degree in any applied analytical science (statistics, operations research, econometrics, business analytics, or math) or commensurate work experience