Credit & Portfolio Risk Analyst Job Description
Credit & Portfolio Risk Analyst Duties & Responsibilities
To write an effective credit & portfolio risk analyst job description, begin by listing detailed duties, responsibilities and expectations. We have included credit & portfolio risk analyst job description templates that you can modify and use.
Sample responsibilities for this position include:
Credit & Portfolio Risk Analyst Qualifications
Qualifications for a job description may include education, certification, and experience.
Education for Credit & Portfolio Risk Analyst
Typically a job would require a certain level of education.
Employers hiring for the credit & portfolio risk analyst job most commonly would prefer for their future employee to have a relevant degree such as Bachelor's and University Degree in Statistics, Economics, Mathematics, Finance, Engineering, Business, Accounting, Physics, Management, Education
Skills for Credit & Portfolio Risk Analyst
Desired skills for credit & portfolio risk analyst include:
Desired experience for credit & portfolio risk analyst includes:
Credit & Portfolio Risk Analyst Examples
Credit & Portfolio Risk Analyst Job Description
- Leveraging from existing best practice from global teams setting up reporting tools to efficiently monitor targeted exposures and limit utilizations across all risk types (derivatives and lending)
- Compile and review of MIS for MAS reporting, Group reporting and regional management review (both business and RMG management) for all locations
- Review, consolidate, query and validate various stress testing methodologies and results before submitted for approval to regional credit head and MAS for all locations
- Standardise reporting and analytics methodologies and definition across the locations
- Review locations scorecards development, analysis (cut off, line assignment, swap, etc), implementation, validations and monitoring for all locations
- Regulators, senior management and rating agencies enquiries and consultations
- Strategic/Thematic reviews regional retail portfolio performance
- Drive automation of MIS reporting at the regional level
- Drive regional digital initiatives on portfolio management
- Ensure timely and accurate submission of monthly reporting of portfolio performance to Regional Management
- Minimum 3-5+ years of senior level analytical experience within a commercial credit or banking environment
- Good knowledge of at least one FO pricing platform
- Credit generalist sought, no industry specialization required, experience analyzing Corporates preferred
- 2-4 years of prior work experience demonstrating a proficiency in financial statement analysis, financial modeling, and valuation, credit research experience is preferred
- Knowledge of loan / CDS products and relative value is preferable, not required
- Outstanding ability to analyze data with keen attention to detail
Credit & Portfolio Risk Analyst Job Description
- Facilitate the strategic IT implementation of manual processes on the team
- Support the team in the execution of portfolio level base case and stress forecast tests, including regulatory stress testing
- Portfolio monitoring, including completion of annual reviews
- Credit analysis, identifying risk factors, preparing the credit write up and recommendation
- Financial spreads
- Identify, analyze, and report on changes in the composition of the Bank’s credit portfolio, including industry, product, geography, and credit quality
- Aggregate, monitor, and report on established Risk Limits and Key Risk Indicators
- Create and edit monthly portfolio reporting decks for senior management
- Assist in the execution of the Bank’s periodic risk identification and assessment exercise
- Support both regular management meetings and strategic risk projects for the Bank
- In depth knowledge of portfolio analysis techniques and processes
- Extensive analytical skills and practical knowledge of descriptive statistics
- Excellent research skills required for industry analysis
- Experienced in presenting to Senior Executives and Board of Directors
- Good university degree in a quantitative discipline
- Knowledge of TDAF’s ACE, AO and CVM Systems
Credit & Portfolio Risk Analyst Job Description
- Prepare materials to be presented during global training sessions
- Coordinate ad-hoc analysis for emerging risks on the bank
- Other ad-hoc requests as required
- Support monthly and quarterly reporting of portfolio concentrations, including trend analysis, current and emerging risk profiles, additional metrics as developed
- Aid in data capture from front end receivable source systems, credit information reporting, Enterprise Data Warehouse, for purposes of reporting, scenario analysis, and stress testing to support/establish limits and identify additional product/sector concentrations
- Assist in bi-annual (or more often as necessary) stress testing of concentration limits, modeling of current and future portfolios, and project planning for enhancement of corporate portfolio modeling capabilities
- Manage and improve risk reporting and analytics for senior management Develop and manage MIS resources, ensuring data integrity
- Rewarding, enterprising and engaging atmosphere where you will be able to see your contributions at work
- Coordinate and compile any credit surveys, consultations and queries from MAS
- Review and support all locations stress testing methodologies and result for consumer banking
- Strong knowledge of TDAF indirect auto adjudication practices
- Experience technical and business writing abilities with the capacity to construct documents for review by Senior Executives
- Immaculate attention to detail with emphasis on quality of work
- Professional certification in risk management such as FRM will be advantageous
- Strong command of MS Excel application
- University degree in Business/Finance/Accounting
Credit & Portfolio Risk Analyst Job Description
- Strategic/Thematic reviews of retail portfolio performance
- Perform data analysis to understand portfolio trends and identify early warning
- Design, develop, and track performance of test and learn initiatives
- Help shape our omni-channel and digital collections strategy so that we maximize our use of technology to reach and interact with more borrowers
- Identify and evaluate new data to be used in strategies
- Optimize the use of credit bureau data and collections triggers
- Provide analytical support to various internal departments
- Pre-dealing trade level initial margin calculation for derivatives & collateral haircut calculation for complex financings
- Reviewing portfolio based prime brokerage (Rates, Foreign Exchange (FX), Equities, Credit), Wealth Management Advance Ratios, and Central Counterparty Clearing House (CCP) margining methodologies
- Interacting daily with credit officers and Front Office sales, structuring and trading to discuss trade structures
- Performs functions noted for Risk Portfolio Analyst II
- Manages complex analytical initiatives and interacts with TDCT Risk and Retail Lending lines of businesses
- Works independently and interacts with internal/external accountants, auditors and bank regulators
- Directs credit activities relating to risk exposure, credit policy, and credit underwriting changes to Senior Money-out Executives
- Mentors junior level analysts
- Oversees the retail credit portfolio analysis in support of financial, regulatory and risk management requirements
Credit & Portfolio Risk Analyst Job Description
- Support the management of a segment of an Industry vertical commercial loan portfolio
- Independently monitor risk profile of the Close Brothers Invoice Finance and Rentals portfolios
- Review and synthesise the risk data that flows from various internal systems and from external sources to form a risk assessment of clients, portfolios, and other segments of the Close Brothers Invoice Finance and Rentals client portfolios
- Ensure that adverse trends and statistics, clients with deteriorating profiles and suspicions of fraud are raised with the relevant client management teams and the line manager
- Assist line manager with ‘lessons learned’ reports where Close Brothers Invoice Finance & Rentals has experienced a material loss
- Provide support in execution of leveraged finance transactions for financial sponsors and corporate clients
- Manage transaction closing process including review of legal documentation, regulatory/KYC requirements, and deal close
- Monitor a select portfolio of transactions as they close on a ‘cradle-to-grave’ approach, adhering to internal policies/procedures and regulatory requirements
- Data gathering from different systems and sources
- Maintenance and production of various monthly and biweekly reports
- Provides guidance and assists staff with most complex aspects of work as necessary
- Acts as subject matter expert in assisting the Manager of Risk Analytics during the analysis for the US Allowance for Loan and Lease Losses (ALLL) for the Retail Credit Portfolios
- Acts as a lead in other risk management related duties or special projects and performs additional duties as necessary
- Exercises independent judgment by displaying and reaching conclusions on the most complex portfolio issues assumes accountability for high quality recommendations regarding the credit portfolio
- Supports results of analytical initiatives on portfolio modeling (including Basel), Stress Testing, migration analysis, and Allowance for Loan and Lease Losses (ALLL)
- Develops analytical white papers for assigned portfolio considering current economic environments