Mountain West Bank · 23 hours ago
Corporate Director of Credit Analytics
Spokane, WA
Full-time
Onsite
Lead/Staff
$195K/yr - $333K/yrMountain West Bank is a regional bank holding company providing commercial banking services across multiple states. The Director of Credit Analytics is responsible for shaping and executing the bank's credit risk analytics framework, ensuring financial stability and regulatory compliance through data-driven models and stress testing processes.
Financial Services
Responsibilities
Lead the development and enhancement of credit risk models tailored to the bank's regional market and customer base
Oversee the calculation, documentation, and governance of the Allowance for Credit Loss (ACL), ensuring compliance with CECL and regulatory expectations
Manage portfolio stress testing processes, including scenario design, execution, and reporting to senior management and regulators
Analyze loan portfolio performance and identify emerging risks across commercial, consumer, and real estate lending
Provide actionable insights to support underwriting, loan review, and strategic decision-making
Collaborate with IT and data teams to ensure data integrity and accessibility for credit analytics and reporting
Present findings and recommendations to executive leadership and business line oversight
Support strategic initiatives such as new product development, market expansion, and M&A due diligence
Maintain awareness of regional economic trends and their impact on credit quality
Mentor and develop a team of credit portfolio risk analysts and data professionals
Engage with bank regulators and support examinations by providing relevant credit analytics and documentation
Coordinate with internal audit and external review teams to ensure transparency, accuracy, and compliance in credit risk practices
Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
Must complete the assigned online training courses and achieve a passing score by due date
Qualification
Required
Strong analytical skills and experience in credit risk analytics
Experience in developing and enhancing credit risk models
Knowledge of Allowance for Credit Loss (ACL) methodologies and compliance with CECL
Experience managing portfolio stress testing processes
Ability to analyze loan portfolio performance and identify emerging risks
Strong collaboration skills with cross-functional teams including credit, lending, finance, compliance, and IT
Ability to present findings and recommendations to executive leadership
Experience mentoring and developing teams
Knowledge of regional economic trends and their impact on credit quality
Ability to engage with bank regulators and support examinations
Understanding of compliance with company policies and applicable laws and regulations
Benefits
Medical
Dental
Vision
Life insurance
Retirement plan including employer match and profit sharing
Paid vacation
Holiday and sick leave
Company
Mountain West Bank
Mountain West Bank is a financial services company that offers credit, debit cards, and online banking products services.
Founded in 1993
201-500 employees
Funding
Current Stage
Growth StageRecent News
GlobeNewswire News Room
2023-10-25
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