Commercial Credit Risk Lead - Commercial Real Estate

Buffalo, New York, United States
Full-time
Posted

Description

Overview:
Responsible for monitoring, evaluating and interpreting data on the Bank's Commercial Loan portfolio including preparation of trend analysis, exposure limits and various forward-looking risk identification reports. Develop tools, potentially statistical and/or modeling based, to allow for the monitoring of movements in the portfolio, identify emerging risks and make recommendations to management. Leverage risk experience, business knowledge and understanding of link between bank performance and macroeconomic environment to plan initiatives to accomplish enterprise-wide goals around the Commercial Portfolio
Primary Responsibilities:
  • Partner with Commercial Planning, Business Line leadership, other areas within Credit and the 2nd Line to discuss current portfolio tracking and business observations
  • Monitor performance of loan portfolio credit quality; communicate issues to management; quantify business ramifications; investigate any incident that may result in losses and compile findings for management review
  • Conduct portfolio segmentation analysis using origination, financial, demographic, behavioral, market and economic data as appropriate
  • Conduct forward-looking analytics, including leveraging modeling and/or statistical tools, to identify pockets of portfolio risk
  • Leverage market intelligence, including macroeconomic data, capital and equity market trends and other industry information to supplement portfolio analysis and to identify market trends that could be detrimental to the portfolio
  • Develop knowledge around various Bank regulatory requirements. Regularly present portfolio risk summaries and dashboards to management and governance committees.
  • Participate in cross-functional teams as SME for enterprise projects such as CCAR, Enterprise Data Warehouse, systems implementation, etc.
  • Partner with Credit Data Analytics group and Treasury modeling team to formulate practical database problem solving approaches to business challenges
  • Obtain data from disparate sources, link information, check data integrity and perform exploratory analysis. Develop programs to efficiently explore hypothetical questions, including sensitivity analytics, portfolio stress-testing and capital adequacy.
  • Develop and lead special projects as requested by management
  • Perform indendent research on areas of the portfolio that may exhibit a heightened risk profile, formulate results into a written report and present findings to management and risk committees
Education and Experience Required:
Bachelor's Degree in Business or Math or related business, or in lieu of degree a minimum four years experience in credit risk, finance or business analytic position
5 years' relevant work experience
5 years' experience preparing written documentation and/or papers / publications
Education and Experience Preferred:
MBA
Location
Buffalo, New York, United States of America

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