Commercial Portfolio Management & Credit Analytics Senior Associate - Remote

Commercial Portfolio Management & Credit Analytics Senior Associate - Remote

Country: United States of America

Senior Associate, Commercial Portfolio Management & Credit Analytics

• Leverages their subject matter expertise in second line defense to ensure a holistic monitoring of the Commercial Portfolios their responsibilities, analyzing trends, identifying root causes, and proposing mitigating actions.
• Leads risk projects and/or programs oriented to enhance monitoring processes and practices, ensuring compliance with Heighted Standards regulatory requirements.
• Works in a rapid and very dynamic environment, coordinating with multiple partners across the organization to have a comprehensive and holistic view of all risks impacting their portfolios.
• This is a position where you will have more of a portfolio and back-office role to monitor the risks taken by our Sales teams.

Job Description:

• Portfolio Management (Macro View). Portfolio Monitoring, Reporting, & Credit Analytics.
• Focus on Commercial portfolio, including Commercial Real Estate and Commercial and Industrial.
• Monitors activities to minimize the company's exposure to risk. Activities may include quantitative analysis, risk identification and remediation.
• Strong analytical and critical thinking skills.
• Commercial Risk rating Model Oversight, Reserves and Forward-Looking Analytics.
• Commercial Management Limits and portfolio analytics.
• Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards.
• Ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions.

Job Function:

• Ensures adherence to the policies and procedures established by the company.
• Manages policy, standard definition and monitoring of policy, standard implementation, ensuring harmonization and consistency of risk policies.
• Monitors and manages risk/exposure and compliance with the company's policies. Identifies, manages, and reports on the company's risk areas.
• Evaluates the adequacy and effectiveness of data, document retention, and monitors systems.

Essential Functions & Responsibilities:

• Analysis of trends, issues, concerns within Commercial Banking portfolios (such as delinquency, NPL, charge offs, rating migration, provisioning, industry related concerns / concentrations, among others), challenging and escalating issues as appropriate.
• Monthly and quarterly updates of Commercial portfolios.
• Familiar with main risk and metrics impacting Commercial Portfolios, including Commercial & Industrial and Commercial Real Estate portfolios.
• Leads special risk mitigation projects and/or programs, business continuity and other incident response and security related activities.
• Builds positive relationships with executives, managers, and teams, while developing an understanding of the business and strategic initiatives.
• Initiates change, integration, operationalization of new events.
• Identifies enterprise trends, synergies, and opportunities for change.
• Serves as a liaison between first and third lines of defense.
• Enhances governance processes in support of infrastructure builds and oversee strategic compliance / business solutions.
• Maintains a strong rapport with local risk teams to create a strong risk culture of performance and accountability.
• Leverages subject matter expertise in second line to significantly improve existing processes and practices.
• Oversees and ensures consistent quality control, accuracy, and compliance with internal policies and regulatory requirements for reporting processes.
• Influences others at an operational level regarding new concepts, best practices and approaches related to risk mitigation, risk identification and resolution, and/or risk management.
• Represents organization as a primary contact for specific risk management projects and initiatives.
• Systematizes ad hoc reporting for line of businesses and team members to facilitate miscellaneous senior and executive management reporting and status updates as needed.
• Coaches, reviews, and delegates work to junior level professionals.

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