Credit Portfolio Analyst Job Description
Credit portfolio analyst
provides innovative ideas and support for projects related to the improvement of Credit Risk systems, reporting, and processes. Ensures that Loans and REPO outstanding balances are current, collateral is marked-to-market daily, and collateral meets the guidelines described in the credit approval, legal documentation, and the Policy & Procedures manual.
Credit Portfolio Analyst Duties & Responsibilities
To write an effective credit portfolio analyst job description, begin by listing detailed duties, responsibilities and expectations. We have included credit portfolio analyst job description templates that you can modify and use.
Sample responsibilities for this position include:
Review and support all locations ICAAP methodologies and result for consumer banking
Perform a detailed financial statement analysis (balance sheet, income statement and statement of cash flows) based on key financial ratios extracted from private or public company financials (10K, 10Q)
Monitor the markets and risks in clients’ portfolios closely and provide regular updates to the management
Ensuring that the company's commodity based lending transactions are properly collateralized
Daily interaction with Clients, Front Office, Back Office and LC departments to ensure that requested loan activity, payments, letters of credit and related documentation are handled in a timely and proper manner
Prepare credit applications and credit rating applications
Obtain approvals from credit divisions
Support Managing Director/Department Head and Associate/Team Leader in credit risk management
Prepare credit review reports for adverse credits
Credit Portfolio Analyst Qualifications
Qualifications for a job description may include education, certification, and experience.
Licensing or Certifications for Credit Portfolio Analyst
List any licenses or certifications required by the position: CMA, CFA, VBA, SQL, SAS
Education for Credit Portfolio Analyst
Typically a job would require a certain level of education.
Employers hiring for the credit portfolio analyst job most commonly would prefer for their future employee to have a relevant degree such as Bachelor's and University Degree in Economics, Finance, Statistics, Mathematics, Business, Accounting, MBA, Engineering, Management, Technical
Skills for Credit Portfolio Analyst
Desired skills for credit portfolio analyst include:
Commercial credit policies
Loan systems
Procedures
Calculation of credit risk
French and Dutch
Related reporting infrastructure of ING Group and the management tools
Banking
Excel
Excel and PowerPoint
Finance and accounting
Desired experience for credit portfolio analyst includes:
Experience using Moody’s Risk Analysis software
Strong analytical abilities focusing on credit underwriting, financial principles and business legal structures
High standards of professionalism
Masters in business or finance discipline with 2+yr of related experience
Must have basic understanding of futures & option and derivative products, interest in the markets is desirable
Knowledge of futures industry and key exchanges such as CME, NYMEX, ICE, and EUREX is a plus
Credit Portfolio Analyst Examples
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Credit Portfolio Analyst Job Description
Job Description Example
Our company is growing rapidly and is hiring for a credit portfolio analyst. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for credit portfolio analyst
- Gather, review and analyze critical account information from all available sources
- As the Portfolio Analyst, you will support the team in delivering the Black Card Experience to High Net Worth clients
- You will also establish and maintain detailed portfolio management reporting focusing on portfolio quality, composition, and growth
- Using your keen attention to detail you will become the subject matter expert (SME) on credit compliance within the Region
- You will also determine areas of operational risk or potential losses and recommend and implement action plans to address and/or correct
- You will also comply with Risk Management and Compliance Guidelines and all corporate compliance policies and keep current on all issues as required
- And finally, you will support the Regional Director, Credit Structures in ensuring all Managers, Credit Structures are actively monitoring and taking action against any issues that could negatively impact the credit portfolio of the Client Base
- Credit and Core model portfolio framework and construction, built from underlying research and scorecards
- Model portfolio rebalancing to adhere to client risk/return objectives within a robust risk management/compliance framework
- Trade life cycle' - orders and dealing workflow
Qualifications for credit portfolio analyst
- Proven ability to analyze private company financials financials of publicly traded companies
- Thorough understanding of accounting and financial reporting
- Post trade analysis of portfolio performance, attribution and risk
- Macro credit research and strategy
- The compilation of client commentaries
- Ongoing improvement in workflow and operational risk
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Credit Portfolio Analyst Job Description
Job Description Example
Our growing company is searching for experienced candidates for the position of credit portfolio analyst. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for credit portfolio analyst
- Analyzing corporate fundamentals
- Identify data issues and work with Oversight Manager to establish robust control processes to remediate while also determining root cause and more strategic means to resolve on an on going basis, training gaps, infrastructure weakness
- Manage the upcoming maturities and exceptions (including annual client reviews and covenants) for their assigned Region
- Prepare and develop credit histories by compiling financial information
- Work with the line of business and CO in assigning Asset Quality Ratings and in the identification of any deterioration or change in the client’s capacity to follow the contractual terms of agreements, including all covenants
- Set up and monitor outstanding covenants as directed by the executed loan documents
- Assist in the preparation of any reports, including exception reports, for monitoring purposes or otherwise that are required
- This position will interpret and provide financial and specific industry trend updates for the various regions- especially related to CRE credits with respect to market and economic factors
- Spread financial statements and provide general operating trend and/or capital structure remarks for initial opportunity assessment review and strategy development by the Line of Business (LOB) and Credit Officers (COs)
- Work with Commercial Relationship Managers in the preparation of complete and accurate CARs for presentation to the appropriate credit authorities for decisions on transaction credit requests and reviews
Qualifications for credit portfolio analyst
- Basic knowledge of derivatives transactions, finance
- Programming knowledge required, we are looking specifically for candidates with proven knowledge of MATLAB
- Client Services - Working with internal customers in a efficient and accurate manner with strong relationships, for problem resolution and timely execution of loans
- Strong financial statement analytical ability
- Excellent data management skills, including a high proficiency with SAS software and SQL
- Strong automotive business knowledge
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Credit Portfolio Analyst Job Description
Job Description Example
Our growing company is searching for experienced candidates for the position of credit portfolio analyst. To join our growing team, please review the list of responsibilities and qualifications.
Responsibilities for credit portfolio analyst
- Gather, calculate and report performance data for the Company’s $6+ bln investment securities portfolio using a number of different analytical platforms to include Intex, Bloomberg, Moody’s Structured Finance Portal and ZM Desk
- Produce and enhance proprietary, forward-looking perspectives and scores of anticipated performance for the assigned portfolios in designated sectors, including supply and demand drivers to proactively support CPM analysis and stressing of the portfolios and use of geographic mapping tools
- Collaborate with Credit Portfolio Managers in their development/production of trend and early warning indicator reporting of sector operating conditions
- Provide assistance in conducting due diligence to inform the development of benchmark underwriting assumptions where applicable
- Assist in the application of sector research and scoring to underwriting and servicing processes, to the identification of sector correlations and to strategy development, prospecting and relationship planning
- Source and maintain internal and external data required for various reporting and analysis purposes
- Extract, transform and load data into various reporting and analysis formats for utilization
- Generate suite of reports on a daily, monthly and quarterly basis
- Conducts ad hoc analysis as directed by management
- May provide support to area of expertise on various projects
Qualifications for credit portfolio analyst
- Thorough knowledge of credit and collateral requirements
- Competency in financial analysis, understanding the interrelationship of the balance sheet, income statement, and statement of cash flow
- Ability to understand the dynamics of the business cycle of different agribusinesses
- Ability to understand and interpret marketing and or commodity trading statements to determine marketing position and risk exposure to the customer and association
- Ability to work effectively in an independent, self-motivated manner
- Solid understanding of credit management techniques, credit administration, and loan servicing
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Credit Portfolio Analyst Job Description
Job Description Example
Our innovative and growing company is searching for experienced candidates for the position of credit portfolio analyst. Thank you in advance for taking a look at the list of responsibilities and qualifications. We look forward to reviewing your resume.
Responsibilities for credit portfolio analyst
- Process express renewals
- Maintain the C2U2 servicing inbox
- Maintain the missing NAICS code report
- Maintain the quarterly refresh report
- Monitor the close at maturity queue
- Monitor officer transfer forms
- Complete early warning/trigger checklists
- Develop expertise in various hedging products and partnerships with front office, hedging counterparties, legal counsel and other relevant parties
- Manage the ongoing maintenance and monitoring of the existing hedges to make sure the Bank is compliant with its obligations
- Coordinate with relevant parties on the booking, payment processing and reporting of existing hedge positions
Qualifications for credit portfolio analyst
- Ability to convert analysis to a decision
- Experience in use of computers and databases
- Ability to study and retain information about agriculture industries
- Ability to communicate understanding of the industry and the Associations’ policies and positions to internal and external contacts
- Ability to complete work in acceptable timeframes and manage a variety of detailed tasks and responsibilities simultaneously and with accuracy to meet deadlines, goals, and objectives and satisfy internal and external customer needs related to the job
- Ability to operate telephone and respond to calls and in-person inquiries
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Credit Portfolio Analyst Job Description
Job Description Example
Our growing company is searching for experienced candidates for the position of credit portfolio analyst. Please review the list of responsibilities and qualifications. While this is our ideal list, we will consider candidates that do not necessarily have all of the qualifications, but have sufficient experience and talent.
Responsibilities for credit portfolio analyst
- Take a leadership role in expanding CSG’s capabilities in utilizing EC for managerial stress testing, concentration management, and business strategic planning
- Lead the model updates on key parameter settings such as Correlation structure, PD/ LGD correlation and LGD volatility
- Assist on Credit Portfolio Risk Management projects by performing correlation and concentration analysis, hedge performance analysis, asset allocation and other portfolio management analysis
- Identify data and parameter improvements, portfolio and data settings enhancements within Risk Frontier
- Work with other team members within the Portfolio Analytics group Credit Portfolio Management team to drill down on EC changes through PD, LGD, EAD, and Portfolio shifting or key setting changes
- Share the EC knowledge with other team members and continuously learn and gain knowledge in other risk analytical areas
- Analyzes the insurance brokerage sector and gains knowledge of the risks associated with the industry
- Reports on delinquent reporting and reaches out to customers accordingly to collect necessary information
- Communicates with and effectively interacts with clients and prospective clients
- Is able to work in a fast paced environment
Qualifications for credit portfolio analyst
- Ability to travel a moderate amount (up to 20%) via auto or commercial transportation to carry out essential responsibilities
- Ability to use and understand computer software related to carrying out essential responsibilities of the position
- Ability to compose, correct, and edit written, word processed and typed work
- Speak and make presentations to individuals or groups on technical subjects related to job
- Ability to successfully interact with and represent the organization to staff, officers, board members, customers, vendors, and/or the public at all levels
- Ability to provide sound technical advice to leaders and other staff in the subject field(s) related to this position