Entry-Level Credit Risk & Portfolio Review Analyst

First Commonwealth Bank; Columbus (OH); On-site; USD 65,000 - 85,000; Full time

Benefits offered by this job

Telecommuting

Job summary

First Commonwealth Bank in Columbus, OH, is seeking a Credit Review Portfolio Risk Analyst I to administer and optimize the Abrigo DiCOM platform. You will perform credit reviews across lending segments, evaluate risk, and support monitoring activities while collaborating with Credit Review Officers and external auditors.

Develop credit analysis skills across a broad range of borrower profiles, strengthen data analytics capabilities in Excel, and contribute to department goals with accuracy and

Qualifications

• Understanding of basic financial statements and credit principles and ability to analyze information and identify potential risk indicators.
• Loan documentation and collateral review — familiarity with loan agreements, collateral documentation, lien perfection, appraisals, covenant requirements, borrowing bases, and exceptions.
• Regulatory and policy awareness — working knowledge of banking regulations, credit policy, lending standards, internal controls, and safety-and-soundness expectations.
• Audit/review discipline — plan and execute review procedures, document work clearly, support conclusions, identify root causes, and communicate exceptions.
• Analytical curiosity and professional skepticism — ask probing questions, identify emerging risk trends, and connect findings to portfolio risk.
• Written communication and report writing — prepare concise credit review narratives, findings, recommendations, and management-ready summaries.
• Data and portfolio analysis skills — use Excel and reporting tools to analyze loan populations, trends, concentrations, exceptions, and risk indicators.
• Collaboration and relationship management — interact professionally with lenders, risk teams, internal audit, and examiners while maintaining independence.
• Attention to detail and accuracy — thorough review of documents, financial data, risk ratings, and policy compliance.
• Continuous learning mindset — develop expertise in credit risk and audit methodology.

Responsibilities

• Serves as the Abrigo DiCOM application administrator, including portfolio risk assessments, data tracking, reporting, and data integrity.
• Balance supporting Credit Review loan activities with data analysis, tracking, and risk assessment, supporting department objectives.
• Develop credit analysis skills through exposure to borrower profiles, industries, and credit structures.
• Evaluates borrower repayment capacity, validates risk ratings, and assesses monitoring activities.
• Performs independent analysis of basic to moderate credit relationships, with guidance from senior officers, and communicates results.
• Assists with basic reviews by identifying exceptions, analyzing trends, and preparing results in standard formats.
• Reviews loan portfolios for adherence to laws, regulations, policies, and prudent risk management practices.
• Develops and maintains knowledge of laws, regulations, policies, and emerging credit risk practices.
• Assists other Audit departments as needed and develops cross-functional review skills.
• Coordinates with internal departments and external auditors to obtain information and support timely completion of reviews.

Skills

Financial statements analysis

Credit risk

Excel

Regulatory awareness

Communication

Analytical skills

Attention to detail

Team collaboration

Data analysis

Borrower evaluation

Education

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

Tools

Abrigo DiCOM

Excel

Word

Reporting tools

Job description

First Commonwealth Bank in Columbus, OH, is seeking a Credit Review Portfolio Risk Analyst I to administer and optimize the Abrigo DiCOM platform. You will perform credit reviews across lending segments, evaluate risk, and support monitoring activities while collaborating with Credit Review Officers and external auditors.

Develop credit analysis skills across a broad range of borrower profiles, strengthen data analytics capabilities in Excel, and contribute to department goals with accuracy and