Assists in the ongoing development of credit risk analytics capabilities, insight generation, data management and reporting, and forward-looking risk assessment capabilities.
Oversees monthly department performance monitoring and data input tracking.
Tests, monitors, and generates industry and portfolio segment reports using data stored in the Loan Origination System.
Assists with regular portfolio reviews to strengthen the analytical foundation for assessing and reporting on credit performance outlook, portfolio analysis, risk profiling, and risk appetite monitoring.
Oversees and manages the PLSR process to ensure all problem loans comply with policy requirements.
Produces analytical materials to support discussions with cross-functional teams.
Communicates analytical findings to supervisors, risk team members, line staff, and Finance.
Generates monthly, annual, and ad hoc reports on the Bank’s loan portfolio.
Develops advanced knowledge of existing and new loan systems (e.g., Fiserv, CreditTrack, Primatics).
Assists in the development of credit policies, procedures, and guidelines that support the objectives of the Credit Risk Management department.
Completes essential functions associated with departmental SOX controls.
Performs other job-related duties and special projects as assigned.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
KNOWLEDGE, SKILLS AND ABILITIES
Ability to read, analyze, and interpret scientific and technical journals, financial reports, and legal documents.
Experience writing and executing SQL code to support the development of automated and recurring reporting processes.
Ability to develop and maintain internal and external relationships with stakeholders, including Relationship Managers, Credit Officers, and Risk Management personnel.
Ability to work effectively in a fast-paced environment, prioritize competing demands, meet strict deadlines, and adapt quickly to changing priorities.
Self-motivated with the ability to support and inform credit risk decision-making.
Strong analytical and problem-solving skills, with exceptional attention to detail.
Ability to prioritize work and collaborate effectively with others to achieve individual goals and team objectives, while remaining flexible in response to changing workloads, requirements, and areas of focus.
Thorough knowledge of commercial banking activities, including but not limited to cash flow analysis, collateral analysis, and problem loan management strategies.
Strong understanding of compliance requirements, regulatory guidelines, and FIB credit policies and procedures.
Ability to respond effectively to inquiries or concerns from customers, regulatory agencies, and members of the business community.
Ability to present information clearly and effectively to senior management, public groups, and boards of directors.
Advanced Microsoft Excel skills, including the use of PivotTables, as well as proficiency with Microsoft Word and PowerPoint.
Ability to identify and define problems, collect and analyze data, establish facts, and draw sound conclusions.
Ability to interpret a wide variety of technical instructions presented in mathematical, written, or diagrammatic form and effectively manage both abstract and concrete variables.
EDUCATION AND/OR EXPERIENCE
High School Diploma or General Education Degree (GED) required
Bachelor's Degree in Business, Finance, Accounting, or related field preferred
7-9 years of experience in banking and/or equivalent combination of education and experience required
PHYSICAL DEMANDS AND WORKING ENVIRONMENT
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.
Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
Handling - Frequently
Hearing - Frequently
Sitting - Frequently
Standing - Occasionally
Talking - Frequently
Walking - Occasionally
Typical Work Hours - M-F (8-5)
Weekends - Subject to business need
Regular and Predictable Attendance - Required
Travel for team meetings 1-2 times per year - 5%
COMPENSATION & BENEFITS
We offer a competitive total compensation package including base salary and benefits. The anticipated pay range for this position is $78,540 to $125,730 per year (in CO & WA) and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Additionally, this role is eligible to receive annual discretionary cash bonuses. Benefits available for this position include, but are not limited to, medical, dental, vision, short-term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. Please note this information is provided for those hired in Colorado and Washington only, and this role is open to candidates outside of Colorado and Washington with compensation that aligns with your location. For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php
If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.
