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Columbia Bank · 19 hours ago

Sr Credit Risk Analyst

Hillsboro, OR

Full-time

Onsite

Mid, Senior Level

4+ years exp

Columbia Bank is focused on effective management of credit risk and compliance with regulations. They are seeking a Senior Credit Risk Analyst to support the Credit Risk Administration in identifying, measuring, and monitoring credit risk, while preparing analytical reports and ensuring compliance with regulatory mandates.

BankingFinanceFinancial Services

Responsibilities

Prepare recurring credit stress testing and portfolio reports for assigned portfolios as well as ad hoc credit risk analysis reports as requested by management

Perform recurring credit risk and loss forecasting in accordance with CECL requirements for assigned portfolios. Prepare applicable documentation for the same

Design and develop credit risk reports and analytical dashboards for various audiences using BI tools with complex and large data sets

Complete and maintain model documentation for assigned models. Work with Model Risk Management to ensure models are validated and remediate for any findings

Develop and perform ongoing model monitoring tests and procedures, evaluating the continued validity of assigned models. Recommend changes to models as needed

Develop data flows necessary to facilitate report building, model testing, research, and reporting. Collaborate with internal partners for database development as needed

Analyze scenarios affecting the risk exposure of assigned portfolios to identify emerging credit risk trends including loan-level probability of default and loss given default

Responsible for testing, validating and documenting, as needed, the quality of data used in the credit risk modeling process and partner with other business units and project teams to improve data quality as applicable

Coordinate and work in cooperation with other departments who are dependent upon timely departmental deliverables for other bank purposes, such as capital planning or the ALLL

Develop procedures and applicable documentation related to assigned portfolios and models. Perform review and testing of the same

Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes

Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training

Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description

May be asked to coach, mentor, or train others and teach coursework as subject matter expert

Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words

Takes personal initiative and is a positive example for others to emulate

Embraces our vision to become 'Business Bank of Choice'

May perform other duties as assigned

Qualification

Credit risk analysisSQLStatistical methodologyData governancePredictive modelingTechnical aptitudeCommunication skillsOrganizational skillsDetail-oriented

Required

Bachelor's degree in finance, business, economics, accounting or related field Degree Required

4-7 Years of experience of credit risk-related analytical experience applicable to CECL, stress testing or other portfolio level risk analytics. Must demonstrate proficient understanding of credit risk concepts

Possess working understanding of statistical methodology as applied to quantitative models

Proficient understanding of databases, queries, data flows, and related systems. Must demonstrate proficiency with writing SQL

Good understanding of statistics and predictive modeling techniques

Ability to review, manipulate and analyze complex data sets

Demonstrate excellent written and verbal communication and organizational skills

Demonstrate an understanding of credit principles, such as Sources of Repayment, Collateral, underwriting analysis, and loan monitoring

Proficient with personal computers, MS Office (e.g. Word, Excel, PowerPoint), and other systems. Higher skill sets required for Excel, including strong proficiency with statistical and data set manipulation tools

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