Credit Review Portfolio Risk Analyst I

Overview

This role primarily administers the Abrigo DiCOM platform to support portfolio risk evaluation, risk-based loan sampling, borrower line sheet reviews, reporting, trend analysis, and the identification of emerging risks. The position also uses approved AI tools to improve efficiency, consistency, and quality of lending segment examinations.

The analyst performs credit reviews across lending segments and contributes to departmental objectives. Through exposure to a wide range of borrower financial and business profiles, the role develops expertise in assessing repayment capacity, validating assigned risk ratings, and reviewing the effectiveness of ongoing credit monitoring activities.

Working with Credit Review Officers, the analyst conducts detailed analysis and examinations of basic to moderate credit relationships (with guidance from the Senior Credit Review Manager as needed) and communicates results to management.

Responsibilities

• Serve as the Abrigo DiCOM application administrator, including portfolio risk assessments, data tracking and analysis, reporting, and data integrity.
• Support independent credit reviews across all lending segments by balancing loan review activities with credit review system data analysis, tracking, and risk assessment.
• Help achieve review-specific and annual departmental objectives.
• Develop credit analysis skills through exposure to borrower financial conditions, business profiles, industries, credit structures, and collateral evaluations.
• Evaluate borrower repayment capacity, validate the accuracy of assigned risk ratings, and assess the effectiveness of ongoing credit monitoring activities.
• Perform detailed, independent analysis of basic to moderate credit relationships, with guidance from Senior Credit Review Officers as needed; communicate results to management.
• Assist with basic reviews by identifying exceptions, analyzing trends, compiling findings, and preparing results in standard report formats.
• Review loan portfolios for adherence to applicable laws, regulations, policies, procedures, and prudent credit risk management practices.
• Maintain current knowledge of laws, regulations, policies, and emerging credit risk practices affecting the Credit Review function.
• Assist other Audit departments as needed and build cross-functional review skills.
• Coordinate and communicate with internal departments and external auditors to obtain information, clarify review matters, and support timely completion of review activities.
• Gather necessary information and documentation to support credit review team members.

Requirements

• Bachelor’s degree in Finance, Accounting, or related field.
• 0–3 years of banking, credit, lending, audit, or related financial services experience.
• Prior internship or entry-level experience in banking, credit administration, or finance is preferred.
• Strong ability to apply financial institution policies and procedures to work performed.
• Proficiency in Microsoft Word and Excel.
• Strong communication, organizational, problem-solving, and analytical skills, including the ability to define problems, collect data, establish facts, and draw conclusions.
• Proficient reading, writing, and grammatical skills.
• Must possess a valid driver’s license and be available for regional travel as needed.
• May be eligible for Telecommuting.

Preferred Qualifications

• Understanding of basic financial statements and credit principles, including the ability to analyze information and identify potential risk indicators.
• Familiarity with loan agreements and collateral review, including lien perfection, appraisals, covenant requirements, borrowing bases, and exceptions.
• Working knowledge of banking regulations, credit policy, lending standards, internal controls, and safety-and-soundness expectations.
• Ability to plan and execute review procedures, document work clearly, support conclusions, identify root causes, and communicate exceptions constructively.
• Demonstrated analytical curiosity and professional skepticism, including identifying emerging risk trends and connecting borrower-level findings to broader portfolio risk.
• Ability to prepare concise credit review narratives, findings, recommendations, and management-ready summaries.
• Data and portfolio analysis skills, with comfort using Excel and reporting tools to analyze loan populations, trends, concentrations, exceptions, and risk indicators.
• Ability to collaborate professionally with lenders and relevant internal stakeholders while maintaining independence.
• Attention to detail and accuracy when reviewing documents, financial data, risk ratings, exceptions, and compliance with policy requirements.
• Interest in continuous learning in credit risk, regulatory expectations, accounting, industry analysis, and audit/review methodology.
• Relevant credentials or training preferred, such as coursework or certifications in commercial credit, accounting, banking, internal audit, risk management, or financial analysis.

Compensation & Benefits

Not specified in the provided description.

Location

Not specified in the provided description.