Sr Credit Risk Analyst

Overview

Support the efforts of Credit Risk Administration in identifying, measuring, and monitoring the Bank's credit risk to maintain sound and effective management of the Bank's credit exposures and comply with applicable regulations. The team performs analytical practices, prepares reports, ensures regulatory compliance, and supports data governance in adherence to the Bank's Credit Risk Management policies and regulations.

• Prepare recurring credit stress testing and portfolio reports for assigned portfolios, as well as ad hoc credit risk analysis reports as requested by management.
• Perform recurring credit risk and loss forecasting in accordance with CECL requirements for assigned portfolios. Prepare applicable documentation for the same.
• Design and develop credit risk reports and analytical dashboards for various audiences using BI tools with complex and large data sets.
• Complete and maintain model documentation for assigned models. Work with Model Risk Management to ensure models are validated and remediate for any findings.
• Develop and perform ongoing model monitoring tests and procedures, evaluating the continued validity of assigned models. Recommend changes to models as needed.
• Develop data flows necessary to facilitate report building, model testing, research, and reporting. Collaborate with internal partners for database development as needed.
• Analyze scenarios affecting the risk exposure of assigned portfolios to identify emerging credit risk trends including loan-level probability of default and loss given default.
• Test, validate, and document the quality of data used in the credit risk modeling process and partner with other business units to improve data quality as applicable.
• Coordinate with other departments dependent on timely departmental deliverables for purposes such as capital planning or the ALLL.
• Develop procedures and applicable documentation related to assigned portfolios and models; perform review and testing of the same.
• Demonstrate compliance with all bank regulations for the assigned job function and keep up to date on regulation changes; complete required training.
• Maintain knowledge of Bank policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other applicable regulations.
• May coach, mentor, or train others and teach coursework as a subject matter expert.
• Contribute to fostering the Columbia corporate culture and take initiative as a positive example for others.
• Support the vision to become “Business Bank of Choice” and perform other duties as assigned.

• Bachelor’s degree in finance, business, economics, accounting or related field (Degree Required).
• Master’s Degree Preferred.
• 4-7 years of credit risk-related analytical experience applicable to CECL, stress testing, or other portfolio-level risk analytics; strong understanding of credit risk concepts.
• Working understanding of statistical methodology as applied to quantitative models; experience with credit risk models preferred.
• Proficiency in databases, queries, data flows, and SQL.
• Understanding of statistics and predictive modeling techniques; experience with credit risk models and/or relevant certifications preferred.
• Ability to review, manipulate, and analyze complex data sets.
• Excellent written and verbal communication and organizational skills.
• Understanding of credit principles such as Sources of Repayment, Collateral, underwriting analysis, and loan monitoring.
• Proficiency with MS Office; strong Excel skills; familiarity with statistical tools (R or SAS preferred).
• Ability to prioritize and manage multiple tasks, be detail-oriented, and meet deadlines.

The pay range for this role is $90,000 to $110,000. The pay rate is dependent on factors including knowledge, skills, experience, education, and location. Role may be eligible for performance-based incentive compensation, details provided during recruitment. Primary

Location:

onsite at the posted location.

2870 NW Town Center Drive, 2nd Floor, Hillsboro, OR 97006

We offer a competitive total rewards package including base wages and comprehensive benefits:…