Manager, Commercial Credit Risk Analyst

Hancock Whitney; New Orleans (LA); On-site; USD 90,000 - 140,000; Full time

Job summary

Hancock Whitney seeks an experienced professional to lead Commercial Credit Risk Analytics, focusing on risk rating frameworks and the bank's spreading platform. You will work with senior credit leadership to support policy changes and strategic risk analysis.

The role entails developing and maintaining quantitative models, monitoring risk trends, and collaborating with business partners to enhance risk management across the commercial portfolio.

Qualifications

• Bachelor's degree in a four-year college or university.
• Six to eight years of related experience and/or training.
• Experience as a commercial lender, portfolio manager or credit officer with knowledge of C&I and CRE lending.

Responsibilities

• Oversee the bank's spreading and risk management platform (Moody’s CreditLens or similar) and associated commercial risk rating models.
• Develop and maintain model framework and governance with user guides, training materials, and input data quality controls.
• Lead model management, monitor performance metrics, and calibrate models as needed.
• Identify risk trends using borrower financials, industry changes, and economic data to provide reporting & analytics.
• Develop stress testing and scenario analysis methodologies to monitor risk in the commercial portfolio.
• Provide insights to support policy creation or changes in response to risk profile shifts.
• Maintain strong relationships with key business partners across the organization.

Skills

Communication

Stakeholder management

Quantitative analysis

Risk modeling

Education

Bachelor's degree

Tools

Moody's CreditLens

Job description

Responsible for Commercial Credit Risk Analytics functions with key focus on commercial risk rating framework; management of the Bank’s spreading platform; providing insight to senior credit leadership to support policy creation/changes; analytics to support credit strategy (risk management and opportunity); risk trends in the commercial portfolio and maintaining strong relationships with key business partners.

**ESSENTIAL DUTIES & RESPONSIBILITIES: **

Responsible for management of the Bank’s spreading and risk management platform (Moody’s CreditLens or similar software) and the associated commercial risk rating models. Develops and maintains model framework and governance to include developing user guides, issuing user guidance, and training materials; ensuring input data quality; reviewing appropriateness of user model selection; and monitoring risk rating movement trends. Responsible for developing and maintaining commercial quantitative/analytic models and tools in partnership with the Manager, Quantitative Risk Analytics in support of the Company’s risk management efforts. Leads model management efforts to include adjusting model assumptions when needed, monitoring models using performance metrics and making recommendations to the Director, Credit Risk Management when model calibration is required. Assist Credit leadership with identifying risk trends using internal borrower financial metrics, external industry changes to include benchmarking and shifts in economic data to provide meaningful reporting and analytics. In partnership with the Manager, Quantitative Risk Analytics develop stress testing and scenario analysis methodologies to monitor current and emerging risk in the commercial portfolio. Provide insight and recommend credit leadership to support policy creation or changes as the Bank’s risk profile or external drivers change. Participate in vendor user groups and industry associations to stay abreast of best practices and industry changes. Maintaining strong relationships with key business partners across the organization.

**SUPERVISORY RESPONSIBILITIES: **

Directly supervises two to four non-supervisory employees and carries out supervisory responsibilities in accordance with the organization’s policies and applicable laws.

**MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE: **

Bachelor's degree from a four-year college or university; six to eight years of related experience and/or training; or equivalent combination of education and experience. Experience as a commercial lender, portfolio manager or credit officer with knowledge of C&I and CRE lending is desired. Language Skills Ability to communicate effectively orally and in writing across all audiences Ability to respond to common inquiries or complaints from internal customers, regulatory agencies, or vendors Ability to effectively present information to top management, and/or boards of directors, regulators or other external parties. Certificates, Licenses, Registrations No specific certifications, licensure or registrations are needed to satisfactorily perform this job

**ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS: **

Ability to work under stress and meet deadlines Ability to operate related equipment to perform the essential job functions Ability to read and interpret a document if required to perform the essential job functions Ability to travel if required to perform the essential job functions Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.