Portfolio Credit Risk Analyst

Grove Bank & Trust; Miami (FL); On-site; USD 70,000 - 100,000; Full time

Job summary

Grove Bank & Trust in Miami, FL seeks a Portfolio Credit Risk Analyst to gain exposure to credit risk management, monitoring, analysis, and reporting for the bank's loan portfolio.

You will support the Credit department with risk assessments, dashboards, AI-assisted reporting, and board-ready materials, while ensuring compliance with regulatory expectations and internal policies.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, Data Analytics, or related field.
• 2–3 years of experience in credit analysis, financial risk management, portfolio analytics, or similar banking role.
• Advanced proficiency in Microsoft Excel and PowerPoint; strong analytical and communication skills.

Responsibilities

• Assist in creating risk management processes to identify, measure, monitor and control credit risks.
• Develop and maintain dashboards, flowcharts and visuals to support risk analysis and decision-making.
• Use AI tools to automate and streamline reporting, data analysis, and document creation.

Skills

Excel

PowerPoint

Data Analytics

Credit analysis

Education

Bachelor's degree in Finance/Accounting/Economics/Data Analytics

Tools

Visio

Lucidchart

ChatGPT

Copilot

Bard

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Portfolio Credit Risk Analyst

Full Time Grove Bank & Trust Miami, FL, US

4 days ago Requisition ID: 1070

SUMMARY: The Portfolio Credit Risk Analyst is a developmental role designed to provide comprehensive exposure to all facets of credit risk management. Plays a key role in monitoring, analyzing, and reporting on the Bank's credit portfolio. This position supports the Credit department by conducting risk assessments, identifying emerging trends, ensuring compliance with regulatory expectations, and assisting with strategic decision-making to maintain overall portfolio health. Performs other related duties as necessary.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Assist in the creation and implementation of numerous risk management processes that facilitate the identification, measurement, monitoring and control of credit risks affecting the bank. Examples include: the annual review process for individual borrowers and loan relationships, covenant ticklers and testing, the annual property inspection process, the early identification process for problem loans, appraisal review and engagement, etc.
• Develop and maintain dashboards, flowcharts, and visual aids to support risk analysis and decision-making.
• Use AI tools to automate and streamline reporting, data analysis, and document creation.
• Assist in the creation and enhancement of credit risk management reports that assess portfolio quality and risk trends.
• Support the Chief Credit Officer in preparing Board and Committee presentations related to credit risk.
• Monitor concentrations of credit, special assets, and trends in portfolio performance.
• Participate in the calibration and maintenance of the Allowance for Credit Losses (ACL) framework.
• Maintain and update financial ticklers and documentation tracking systems.
• Schedule meetings, prepare and send out packages for various committees including but not limited to: The Loan Committee, Special Asset Committee, etc.
• Assist in the preparation of regulatory and internal audit materials.
• Create job aids and deliverables to support credit risk identification and control.
• Collaborate with loan officers and other departments to gather and validate financial data.
• Contribute to the development of internal tools and methodologies for credit risk assessment.
• Ensure adherence to the Bank's credit policies, regulatory requirements, and industry best practices.

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 accommodation may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

Bachelor's degree in Finance, Accounting, Economics, Data Analytics, or related field. Minimum 2 to 3 years of experience in credit analysis, financial risk management, portfolio analytics, or a similar banking role. Experience in community banking or commercial banking environment preferred. Experience with flowcharting tools (e.g., Visio, Lucid chart) and AI platforms (e.g., ChatGPT, Copilot, Bard) for productivity enhancement. Advanced proficiency in Microsoft Excel and PowerPoint. Must have a "highly motivated can-do" attitude, a sincere desire to learn and most importantly to take the initiative to perform any tasks assigned with positivity - no matter how tedious or administrative in nature. Strong analytical, organizational, and quantitative skills. Excellent written and verbal communication skills. Ability to manage multiple priorities and deliver high-quality work under tight deadlines. Detail-oriented with a proactive approach to problem-solving.

All candidates for hire will undergo a credit and criminal background check. Only qualified candidates will be contacted. Grove Bank & Trust is a drug-free workplace and an Equal Opportunity Employer - Veteran/Disability.