Credit & Portfolio Risk Analyst Job Description
Credit & portfolio risk analyst
provides credit Risk analytics for the development of new products, lending strategies and risk management of the portfolio.
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:
Continue to support integration of the new origination system (Linx) and processes into the current system (CASPER clone), ensuring minimal impact to BAU analytics and reporting
Continue testing of CASPER clone project and the new system to ensure both data integrity and accuracy in business interpretation
Understand and leverage the new origination system and the data that will be available in the Enterprise Data Warehouse (EDW)
Provide relevant data and table relations to existing information used in the EDW and share knowledge with members of the RCT and PM&CS team
Identify value added data elements available from the new origination system to drive innovative analytics
Review prospective client portfolios, identify key risks in the clients’ portfolios of F&O and OTC derivatives products
Partner with the Clearing Business and be able to meet clients and understand their strategies and propose solutions
Service all client related queries related to risk, margin and limits
Improve margin methodology and expand the product scope by working closely with product development, quantitative research teams and global risk peers
Work closely with other areas including sales, trading, legal and operations in improving the risk and control of clearing business
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:
Base SAS
Capital Markets/traded products
Macro
Qlikview is an added advantage
Basel 3 Cr RWA regulations and banking products
Industries represented in portfolio
Particular industries and all current events in assigned portfolio utilizing internal and external sources
Country/risk factors on a macro level
Analytical tools
Banking products and their risks
Desired experience for credit & portfolio risk analyst includes:
Degree in Economics, Statistics or other quantitative field of study
Pursuit of a Master's degree or certification (CFA, CPA ) is considered a plus
Some familiarity with counterparty exposure generated by derivatives & other traded products
Partner closely with Credit Risk in overall risk management of clients' risk exposure
Develop and implement new tail risk measures and create new risk reports as needed
Perform ad-hoc analysis of client portfolios, margin & position breakdown, and develop what-if scenarios
Credit & Portfolio Risk Analyst Examples
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Credit & Portfolio Risk Analyst Job Description
Job Description Example
Our company is looking to fill the role of credit & portfolio risk 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 risk analyst
- 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
Qualifications for credit & portfolio risk analyst
- 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
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Credit & Portfolio Risk Analyst Job Description
Job Description Example
Our company is looking for a credit & portfolio risk 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 risk analyst
- 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
Qualifications for credit & portfolio risk analyst
- 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
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Credit & Portfolio Risk Analyst Job Description
Job Description Example
Our growing company is looking to fill the role of credit & portfolio risk 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 risk analyst
- 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
Qualifications for credit & portfolio risk analyst
- 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
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Credit & Portfolio Risk Analyst Job Description
Job Description Example
Our innovative and growing company is hiring for a credit & portfolio risk analyst. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for credit & portfolio risk analyst
- 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
Qualifications for credit & portfolio risk analyst
- 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
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Credit & Portfolio Risk Analyst Job Description
Job Description Example
Our company is searching for experienced candidates for the position of credit & portfolio risk analyst. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for credit & portfolio risk analyst
- 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
Qualifications for credit & portfolio risk analyst
- 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