Credit Risk Analyst

First National Bank Of Pennsylvania; United States; On-site; USD 65,000 - 95,000; Full time

Job summary

First National Bank of Pennsylvania is seeking a Credit Risk Analyst to assist the Manager of Credit Risk and Reporting in asset quality reporting, concentration analyses, the allowance for credit loss, credit monitoring, and DFAST-related tasks. The role supports timely, accurate reporting and data management across bank portfolios and regions in a collaborative, risk-aware environment.

You will prepare management reports, analyze risk trends, maintain the ACL data model, and ensure regulatory

Qualifications

• BA or BS degree required.
• 0 years of related experience required.
• Strong data analysis and reporting skills.
• Experience with business intelligence tools preferred.

Responsibilities

• Prepares monthly and quarterly management and Board reports.
• Analyzes the credit risk trends within the various Bank portfolios and regions to identify potential regulatory, policy, or operational risk issues.
• Prepares written analysis to report to management.
• Executes, analyzes, and maintains a modeling database including key data elements derived from the core system to support the timely and accurate completion of the Allowance for Credit Loss (ACL) reporting.
• Executes and analyzes monthly asset quality reporting for manager review.
• Ensures reports are timely, accurate and comply with regulatory guidance for quarterly reporting.
• Practices continuous process improvement in data aggregation and reporting.
• Executes and analyzes monthly loan concentration reports.
• Performs specific concentration analysis that includes asset quality, trends, various segregations of the specific portfolio, macroeconomic commentary and market research layers.
• Execute, analyze, and distribute daily, weekly, and monthly collateral monitoring reports and Commercial Credit compliance reports.
• Analyzes on-going Credit Risk reporting features on a timely basis and implements process improvements as directed by management to correspond with changes in regulatory, policy, or operational risk issues.
• Executes and analyzes data exception reporting, works with various departments to ensure accuracy of data used in Bank wide reporting.
• Sends corrective data maintenance on an as needed basis.
• Performs other related duties and projects as assigned.
• All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation’s risk management program.

Skills

Excellent project management

Excellent communication

Analytical skills

Interpersonal skills

Customer service skills

MS Word - Basic

MS Excel - Intermediate

MS PowerPoint - Basic

SAS

Python

MS Power BI

Education

BA or BS

Tools

SAS

Python

MS Power BI

MS Word

MS Excel

MS PowerPoint

Job description

Primary Office Location: 626 Washington Place. Pittsburgh, Pennsylvania. 15219. Join our team. Make a difference - for us and for your future.

Position Title: Credit Risk Analyst Business Unit: Credit Reports to: Supervisor or Manager of Credit Risk

Position Overview

This position is primarily responsible for assisting the Manager of Credit Risk and Reporting in the execution of one or more of the following: asset quality reporting, concentration analysis, the allowance for credit loss, credit monitoring, stress testing and ongoing monitoring of Bank wide data quality. The incumbent ensures accuracy and superior internal customer service.

Primary Responsibilities

• Prepares monthly and quarterly management and Board of Directors reports.
• Analyzes the credit risk trends within the various Bank portfolios and regions to identify potential regulatory, policy, or operational risk issues.
• Prepares written analysis to report to management.
• Executes, analyzes, and maintains a modeling database including key data elements derived from the core system to support the timely and accurate completion of the Allowance for Credit Loss (ACL) reporting. This will also include preparing the ACL portion of the Dodd Frank Act Stress Test (DFAST) reporting.
• Executes and analyzes monthly asset quality reporting for manager review.
• Ensures reports are timely, accurate and comply with regulatory guidance for quarterly reporting.
• Practices continuous process improvement in data aggregation and reporting.
• Executes and analyzes monthly loan concentration reports.
• Performs specific concentration analysis that includes asset quality, trends, various segregations of the specific portfolio, macroeconomic commentary and market research layers.
• Execute, analyze, and distribute daily, weekly, and monthly collateral monitoring reports and Commercial Credit compliance reports.
• Analyzes on-going Credit Risk reporting features on a timely basis and implements process improvements as directed by management to correspond with changes in regulatory, policy, or operational risk issues.
• Executes and analyzes data exception reporting, works with various departments to ensure accuracy of data used in Bank wide reporting.
• Sends corrective data maintenance on an as needed basis.
• Performs other related duties and projects as assigned.
• All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation’s risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Level of Education Required to Perform the Primary Responsibilities of this Position

BA or BS

Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position

0

Skills Required to Perform the Primary Responsibilities of this Position

• Excellent project management skills
• Excellent communication skills, both written and verbal
• Excellent organizational, analytical and interpersonal skills
• Excellent customer service skills
• Ability to use a personal computer and job-related software MS Word - Basic Level
• MS Excel - Intermediate Level
• MS PowerPoint - Basic Level
• Experience with business intelligence tools such as SAS, Python or MS Power BI

Licensures/Certifications Required to Perform the Primary Responsibilities of this Position

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work

N/A

Equal Employment Opportunity (EEO): It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace. FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.

A culture of teamwork. A history of success. As a leading diversified financial services company, F.N.B. Corporation (FNB) offers a wide range of opportunities for individuals who want to grow their careers. The FNB team is a group of highly qualified professionals who work together to provide comprehensive financial solutions across our corporate footprint, which includes Pennsylvania, Ohio, Maryland, West Virginia, Virginia, North Carolina, and South Carolina. Our consistent recognition as a best place to work and top workplace by our own employees symbolizes the outstanding culture we represent.