Financial Analyst, Credit Administration

Salary Range: $85,400.
00 - $140,900.
00 (Depending on knowledge, skills, abilities and location.
Certain level jobs may be eligible for bonus, commission, and/or equity awards.
) Benefits worth writing home about: Medical, dental, and vision coverage for employees and their families Life, disability and family Leave 401(k) and Roth 401(k) with employer match Wellness program, employee assistance program, “Commute Trip Reduction” (CTR) and various employee discounts Generous vacation, sick leave, 11 paid holidays, and 16 hours of paid leave every year for community service work Free employee checking account and employee home loan discounts EO/AA Employer including Vets and Disabled.
Qualified applicants with arrest and conviction records will be considered in accordance with legal requirements.
If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household.
Additional information about our data collection practices and location specific notices is available on our privacy policy Job Description Summary Responsible for the development of analytical reporting that integrates credit risk data into effective tools for management to assess risk and monitor portfolio performance.
Responsibilities include accurate presentation of our financial position related to the Bank’s loan portfolio and an understanding of our business and overall strategy.
Position requires strong analytical expertise, including an in-depth knowledge of loans and associated credit metrics.
It will be a dynamic position, with changing demands.
Individual should be willing to work on a variety of projects at one time.
Job Details PRIMARY FUNCTIONS: Prepares monthly credit reporting for distribution across the Company and Board of Directors.
Prepares the Bank’s quarterly ACL analysis ensuring compliance with GAAP and regulatory guidelines.
Leads monthly loan forecast, quarterly scenario analysis, stress testing, and other modelling of credit risk analytics related to the bank’s loan portfolio.
Aggregates, interprets, and synthesizes data patterns to support development of credit strategies or refinement of credit risk management tactics.
Communicates and coordinates with lending areas to obtain information and track credit risk issues within the various loan portfolios.
Prepares FDIC and SEC related financial statements on the loan portfolio: Call report schedules; SEC footnotes, earnings release schedules, and MD&A sections.
Develops reporting databases to support portfolio management processes and presents findings to the Board of Directors.
Champion improvements and efficiencies in the Bank’s loan data warehouse; coordinate with Business Units and Information Technology to ensure data integrity.
Assists in various internal and external audits, providing audit data and information representing the bank’s position related to loan accounting and reserves for loan losses.
Perform ad hoc reports, peer analysis and -special projects as assigned.
QUALIFICATIONS: Education: Bachelor’s Degree in Business, Finance, Economics or equivalent work experience.
A minor in computer sciences is desirable.
Requires a minimum of five years’ experience in financial analysis, credit analysis or risk management support with a commercial bank or a related financial services company.
Requires extensive knowledge of analytical methodologies.
Requires experience with building databases to support reporting processes.
Must be process and detail oriented, resourceful and able to maintain a flexible yet focused demeanor.
Requires excellent written and verbal communication skills, as well as the ability to interact professionally, build rapport and have an impact across all levels of the organization.
Must possess strong analytical and problem-solving skills that result in better customer service while maintaining credit risk controls.
Expertise using Microsoft Excel (including PowerPivot) and PowerPoint required with strong presentation skills.
Proficient in SQL.
Experience using financial software Kaufman Hall/Axiom and SNL desirable.
Legally authorized to work in the United States.
MENTAL AND PHYSICAL CONSIDERATIONS: Operation of a Personal Computer and viewing information on a monitor.
Must be able to sit for many hours each day.
Must be able to communicate via telephone and WebEx and possess dexterity to include filing documents, reaching and bending.
May be required to stand for extended periods of time.
Ability to lift or carry up to 20 pounds.
Ability to speak English and express ideas and have difficult conversations in person and over the telephone.
Ability to listen and comprehend speech.
Ability to problem solve, make decisions, interpret data and information, read, write and organize information in an orderly manner.
WORK ENVIRONMENT: Normal business office environment.
Ability to sit in artificial light for extended periods of time.
This Position Description may not be limited to the Functions and Requirements as outlined, now or in the future.
For example, changes in corporate needs, position demands, or individual performance may result in changes to the Functions or Requirements of this position.
Area Administrative and Business Operations (Corporate) If you are a California resident, you may be entitled to certain rights regarding your personal information.
Additional information about our data collection practices and location specific notices is available on our privacy policy