Credit Data and Policy Analysis Officer

CREDIT POLICY AND ANALYSIS OFFICER

This position is responsible for researching, authorizing and/or editing new and revised credit policy and procedures for the Credit Policy Manual and the Credit Procedures Manual. This position will also be responsible for analyzing and presenting data regarding trends in both adherence to policy requirements in underwriting practices and the overall performance of credit portfolio quality.

• Support the credit risk framework that balances the Bank’s current situation, desired credit culture, industry “best practices”, risk tolerance, and regulatory expectations.
• Seek input from various areas and levels of the bank to assess current and necessary policy updates including updates to current policies and creation of new polices as needed.
• Identify gaps in current policy requirements and current practices; make recommendations for proposed revisions to correct deficiencies while ensuring sound risk management practices and adherence to regulatory requirements.
• Conduct analysis and research on credit policy issues and recommend changes to the Senior Credit Policy Officer.
• Collaborate with 1
  
  LOD and 2
  
  LOD Credit Risk Reporting teams to create reports for the Board of Directors and RBC management on behalf of the CCO.
• Interpret trend data on the portfolio regarding to asset quality trends and the correlation of policy exceptions to overall portfolio performance.
• Provide support for loan portfolio data aggregation, QC and report preparation.
• Analyze the impact on credit policy framework documents of modifications to credit risk practices.
• Research and create presentations for Credit Policy Committee consideration; present to the Senior Credit Policy Officer for approval. Assist in the various governance committees’ administrative functions including recording minutes, assembling and distributing decks and agendas and providing logistical venue support.
• Ensure timely and accurate implementation and communication to lending personnel of policy and guidelines by publishing and communicating policy updates through various channels, including training sessions

• Bachelor’s Degree or equivalent
• 5 years of experience in a banking environment required
• 7 years of experience in credit, risk management, and regulatory supervision required

• Proficient in MS Excel, MS PowerPoint, etc. with ability to analyze large datasets of loan information to present analytics and insights
• Ability to build Tableau is a plus
• Knowledge of commercial portfolio management, credit risk, commercial credit underwriting, financial analysis, and regulatory requirements.
• Strong verbal and written communication skills; ability to do business presentations to small groups.
• Ability to work with line and corporate management.

Starting base salary: $111,408 – $189,738 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:

• Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
• Generous 401(k) company matching contribution
• Career Development through Tuition Reimbursement and other internal upskilling and training resources
• Valued Time Away benefits including vacation, sick and volunteer time
• Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
• Career Mobility support from a dedicated recruitment team
• Colleague Resource Groups to support networking and community engagement

Get a more detailed look at our Benefits and Perks.

Since day one we’ve always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues…