Credit Risk Management Analyst

Job Description Job Description

Gateway First Bank is looking for a Credit Risk Management Analyst that would be excited to dive into CECL analysis and handle other reporting as needed. Would prefer CECL exp along with Horizon 360 but are willing to train a skilled data analyst that is eager to learn. Financial industry exp and excellent Excel skills a must. We look forward to meeting you.

Along with an excellent working environment GFB offers world-class benefits such as:
- 0 copay on brand name and generic meds
- Company contribution to HSA
- $600 wellness credit on premium per year
- LegalShield & IDShield
- Tuition Reimbursement
- Nationwide Pet Insurance

Credit Risk Management Analyst JOB SUMMARY:
The Credit Risk Management Analyst is responsible for performing a variety of loan portfolio and credit data reports\analyses for Management. Additionally, reports will be provided to Board of Directors members, internal & external auditors, examiners, regulatory and government agencies. The Analyst will conduct analysis of trends in credit at the Bank and in the industry.

Credit Risk Management Analyst ESSENTIAL FUNCTIONS (RESPONSIBILITIES):

• Assists in the design, development, and implementation of Allowance for Loan and Lease Losses (ALLL) and Current Expected Credit Loss (CECL) methodology within Sageworks.

• Serves as the primary point of contact in the data design and implementation for Sageworks.

• Creates and maintains Credit Risk processes (TDR, Non-accrual, etc.) as well as collaborates with the business to develop and monitor Key Risk and Key Performance Indicators.

• Recognizes opportunities to improve credit risk strategies and builds support for recommendations.

• Independently executes existing and develops new portfolio reporting to monitor credit risk strategy and escalate the quality and direction of credit performance to appropriate levels of management.

• Conducts detailed analysis to predict and evaluate the credit risk within a loan portfolio.

• Designs, develops, builds, and automates reporting by consolidating, centralizing, and reconciling data from Horizon & H360 BI Cognos, Sageworks and other systems.

• Maintains centralized supporting documentation for regulatory reporting reference.

• Ensures accuracy, timeliness, and compliance with all policy, regulatory, and audit requirements, including Board of Directors deliverables, as well as portfolio concentrations.

• Prepares the automation of report and dashboard generation in a manner that provides consistency, accuracy, and repeatability in credit risk reporting.

• Works with senior management to conduct the Credit Portfolio Risk Committee (CPRC) and Allowance for Loan and Lease Losses (ALLL) Committee.

• Prepares ad-hoc reports and offers recommendations on what data to collect as well as recommends presentation format.

• Performs analysis on credit trends in the industry and benchmarks the Banks performance against it.

• Serves as a liaison between departments to ensure accurate coding and data integrity for reporting.

• Exercises awareness regarding possible suspicious activity, money laundering or fraudulent behavior and reports any such incidents to the BSA department. Performs all job functions in compliance with all company policies and federal, state, and local laws and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules.

• Performs related responsibilities as required or assigned.

Credit Risk Management Analyst REQUIRED QUALIFICATIONS:

Knowledge/Skills/Abilities

• Thorough knowledge of Credit policies, procedures, and practices.

• Thorough knowledge of Credit Administration policies, procedures, and practices.

• Excellent communication and presentation skills.

• Proficient in Microsoft Office applications.

• Ability to turn raw data into user friendly analytical reports/models to interpret trends, correlations, and outliers.

• Ability to take data and convert to meaningful information for business users with easily interpreted visual charts/graphs and PowerPoint presentations.

• Exemplifies the Gateway Values: Stay growth oriented, Make a difference, "get it done", Be a team player, Do the right thing.

Equivalent Education/Experience

• Bachelor's Degree in Business, Finance, or related field or equivalent years of work experience.

• 2-4 years of Credit Risk Management\Analysis Experience.

• Previous experience with Horizon 360 preferred.

Credit Risk Management Analyst SPECIAL JOB DIMENSIONS:
None.

NOTE: The essential job functions and associated qualifications contained in this document describe the general nature and level of the work performed. They are not intended to represent an exhaustive listing or be inclusive of all aspects of the job. The tasks and procedures involved in the performance of the essential job functions may vary from day-to-day. Major changes in areas of responsibility may occur, as directed by management, and will require revision of this job description.

Company Description

Gateway First Bank is a leading financial institution that provides banking and mortgage services for consumers and commercial customers. Headquartered in Jenks, Oklahoma, Gateway is a $1.9 billion asset sized bank with a significant mortgage operation. Gateway is one of the largest banking operations in Oklahoma and mortgage operations in the United States with eight bank branches in Oklahoma, over 80 mortgage centers in 35 states, and over 800 employees.

Company Description Gateway First Bank is a leading financial institution that provides banking and mortgage services for consumers and commercial customers. Headquartered in Jenks, Oklahoma, Gateway is a $1.9 billion asset sized bank with a significant mortgage operation. Gateway is one of the largest banking operations in Oklahoma and mortgage operations in the United States with eight bank branches in Oklahoma, over 80 mortgage centers in 35 states, and over 800 employees.