Senior Portfolio Credit Risk Manager & Analytics

gpac; Minneapolis (MN); On-site; USD 95,000 - 135,000; Full time

Job summary

gpac seeks a Senior Credit Risk Manager to oversee the bank's loan portfolio, manage credit risk analytics, and present findings to senior management. You will develop reporting, perform ALLL analyses, stress tests, monitor trends, and optimize risk-return.

The role requires leadership of a team of credit analysts and collaboration with lending and regulatory teams. The position emphasizes deep financial analysis, regulatory awareness, and strategic risk management in a banking environment.

Qualifications

• Bachelor's degree in Business Accounting or Finance; MBA and/or CPA preferred.
• 5+ years of experience in credit risk portfolio management, credit administration, loan review, regulatory/examination, and/or credit analysis.
• Strong data analysis experience within the financial services industry.
• Excellent verbal and written communications skills to prepare and present reports to bank personnel and regulators.
• Ability to assess risk, deal with ambiguity, and apply prudent lending practices.
• Experience with risk reporting, regulatory exams, and audit responses.
• Ability to lead a team of analysts and coach staff.

Responsibilities

• Monitor and manage credit risk for the loan portfolio and advise senior management on trends.
• Develop, execute, and manage reporting and analytical needs for Portfolio Credit Risk Management.
• Perform ALLL analyses, stress testing, concentration analyses, and economic updates.
• Apply sensitivity analysis and stress testing to identify potential credit deterioration.
• Review risk and reward strategies and provide recommendations to optimize risk-return.
• Challenge business units' credit risk and portfolio strategies and advise on new products with credit risk.
• Identify systemic problems in the credit life cycle and changing market conditions.
• Review risk assessments and annual loan reviews using financial/cash flow analysis.
• Evaluate lending activities for compliance with policies and risk grading.
• Review and classify loans and watch list adjustments.
• Discuss deficiencies with loan officers and managers.
• Prepare risk presentations for senior management and ensure data integrity of reports.
• Lead analytics and visualization for portfolio risk surveillance.
• Develop automation solutions in risk and analytics functions.
• Track policy exceptions and provide feedback for policy enhancements.
• Develop and coach a team of credit analysts.
• Assist Lending Managers and the CCO with reports and respond to auditors.
• Develop internal loan review procedures and manage scope.
• Serve as point person for external loan review, audits, regulatory exams.

Skills

Data analysis

Analytical thinking

Communication

Problem-solving

Ambiguity tolerance

Leadership

Education

Bachelor's degree in Business Accounting or Finance

MBA or CPA preferred

Job description

gpac seeks a Senior Credit Risk Manager to oversee the bank's loan portfolio, manage credit risk analytics, and present findings to senior management. You will develop reporting, perform ALLL analyses, stress tests, monitor trends, and optimize risk-return.

The role requires leadership of a team of credit analysts and collaboration with lending and regulatory teams. The position emphasizes deep financial analysis, regulatory awareness, and strategic risk management in a banking environment.