Credit Systems Reporting & ACL Analytics Analyst

First Commonwealth Bank; Indiana (PA); Hybrid; USD 65,000 - 95,000; Full time

Job summary

First Commonwealth Bank seeks a Credit Systems Analyst to enhance the accuracy and efficiency of departmental and enterprise credit reporting. You will partner with multiple divisions to refine report content, model calculations for ACL, and ensure compliance with risk controls.

The role involves reviewing data quality, maintaining continuity plans, and guiding other analysts. Prior experience in lending/report writing and strong data analysis are essential.

Qualifications

• Bachelor's degree in Business, Accounting, Finance, Economics or related field.
• At least two years of related work experience in lending/credit, report writing, core systems or related activities are encouraged.
• Strong data analysis skills are required.
• Outstanding verbal and written communication skills and interpersonal skills.
• Advanced problem solving skills and analytical planning.
• Proficient PC Skills including Word, Excel, Access.
• Must have a valid driver's license. Travel between Indiana, Pa, Pittsburgh, Pa. and Northeast Ohio may be required.
• Proficient reading, writing, and grammar; knowledge of credit admin procedures, lending practices, risk assessment, data structures and reporting.
• May be eligible for Telecommuting.

Responsibilities

• Develops and produces advanced, standard and ad hoc department and enterprise-level credit reporting. Ensures accurate report production for Credit Committee, other committees and/or other staff meetings.
• Develops, maintains and reconciles independent models used in calculating the quarterly Allowance for Credit Loss (ACL).
• Works with multiple departments to review the structure, content and quality of internal and system-generated reports. Develops strong partnerships to aid in understanding of underlying business drivers that may affect reporting.
• Adheres to applicable credit/operational risk controls in accordance with Company and regulatory standards and policies. Keeps abreast of business and credit risk trends that may affect reporting.
• Assembles, compiles, and resolves errors/inconsistencies in data from various business partners to ensure consistency in reporting.
• Streamlines current processes and reports, and works on various special projects to improve the department's efficiency.
• Deletes and appends records (for the above systems) for consistent information.
• Utilizes specialized reporting that requires the ability to resolve complex issues in creative and effective ways by applying professional concepts and bank objectives for the following: Tracking Policy Exceptions and running analysis reports; Tracking/monitoring financial statements and running analysis reports; Tracking/monitoring financial covenants and running analysis reports.
• Maintains and updates the department business continuity plan.
• Supports and provides direction to other Credit Systems Analysts on business reporting and analytic solutions as necessary.
• Ability to lead some Credit Systems projects and update management on the status.
• Complete other related duties as assigned.

Skills

Data analysis

Communication

Problem solving

Excel/Word/Access

SQL

Telecommuting eligible

Driver's license

Education

Bachelor's degree in Business, Accounting, Finance, Economics or related field

Tools

SQL Server Management Studio

Microsoft Report Builder

Job description

First Commonwealth Bank seeks a Credit Systems Analyst to enhance the accuracy and efficiency of departmental and enterprise credit reporting. You will partner with multiple divisions to refine report content, model calculations for ACL, and ensure compliance with risk controls.

The role involves reviewing data quality, maintaining continuity plans, and guiding other analysts. Prior experience in lending/report writing and strong data analysis are essential.