Senior Credit Risk Analyst - Stress Testing & ACL Expert

Origin Bank; West Monroe (LA); On-site; USD 100,000 - 140,000; Full time

Job summary

Origin Bank is seeking a senior analyst to evaluate credit data and financial statements to determine risk and support the allowance for credit loss calculations and stress testing. You will review loans, perform risk assessments, and contribute to contingency planning.

The role requires a finance or accounting degree and about ten years of related experience, with deep knowledge of ACL accounting and risk methodologies. A professional, detail-oriented approach is essential.

Qualifications

• Bachelor's degree in Finance or Accounting required.
• Minimum of ten years of related experience; bank/loan auditing background preferred.
• Knowledge of Allowance for Credit Losses (ACL) accounting and methodology.

Responsibilities

• Identifies and analyzes areas of potential risk to assets, earning capacity, or success.
• Gathers risk-related data from internal or external resources in order to analyze credit data and financial statements to determine the degree of risk involved.
• Analyzes appraisals and performs credit analysis for portfolio stress testing while relying on experience and judgment. Portfolio stress testing (including all Commercial Real Estate (CRE) loans, together with construction, multifamily and commercial real estate for investment purposes; and C & I and consumer loans) is used to develop contingency planning.
• Reviews individually evaluated loans and qualitative factors for collectively evaluated loans in preparation of the Allowance for Credit Loss Calculation.
• Manages special projects as assigned by Credit Risk Manager requiring a certain degree of creativity and latitude.

Skills

Credit risk analysis

Financial statement analysis

Portfolio stress testing

Education

Bachelor's degree in Finance or Accounting

Job description

Origin Bank is seeking a senior analyst to evaluate credit data and financial statements to determine risk and support the allowance for credit loss calculations and stress testing. You will review loans, perform risk assessments, and contribute to contingency planning.

The role requires a finance or accounting degree and about ten years of related experience, with deep knowledge of ACL accounting and risk methodologies. A professional, detail-oriented approach is essential.