Manager, Commercial Credit Risk Analyst

Manager, Commercial Credit Risk Analyst

Hancock Whitney

Responsible for Commercial Credit Risk Analytics functions with key focus on commercial risk rating framework; management of the Bank’s spreading platform; providing insight to senior credit leadership to support policy creation/changes; analytics to support credit strategy (risk management and opportunity); risk trends in the commercial portfolio and maintaining strong relationships with key business partners.

• Responsible for management of the Bank’s spreading and risk management platform (Moody’s Credit Lens or similar software) and the associated commercial risk rating models.
• Develops and maintains model framework and governance to include user guides, issuance of user guidance, training materials; ensuring input data quality; reviewing appropriateness of user model selection; and monitoring risk rating movement trends.
• Responsible for developing and maintaining commercial quantitative/analytic models and tools in partnership with the Manager, Quantitative Risk Analytics in support of the Company’s risk management efforts.
• Leads model management efforts to include adjusting model assumptions when needed, monitoring models using performance metrics and making recommendations to the Director, Credit Risk Management when model calibration is required.
• Assist Credit leadership with identifying risk trends using internal borrower financial metrics, external industry changes to include benchmarking and shifts in economic data to provide meaningful reporting and analytics.
• In partnership with the Manager, Quantitative Risk Analytics develop stress testing and scenario analysis methodologies to monitor current and emerging risk in the commercial portfolio.
• Provide insight and recommend credit leadership to support policy creation or changes as the Bank’s risk profile or external drivers change.
• Participate in vendor user groups and industry associations to stay abreast of best practices and industry changes.
• Maintaining strong relationships with key business partners across the organization.

Directly supervises two to four non-supervisory employees and carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.

• Bachelor's degree from a four-year college or university; six to eight years of related experience and/or training; or equivalent combination of education and experience.
• Experience as a commercial lender, portfolio manager or credit officer with knowledge of C&I and CRE lending is desired.
• Language Skills
  • Ability to communicate effectively orally and in writing across all audiences.
  • Ability to respond to common inquiries or complaints from internal customers, regulatory agencies, or vendors.
  • Ability to effectively present information to top management, and/or boards of directors, regulators or other external parties.
• Certificates, Licenses, Registrations
  • No specific certifications, licensure or registrations are needed to satisfactorily perform this job.

• Ability to work under stress and meet deadlines.
• Ability to operate related equipment to perform the essential job functions.
• Ability to read and interpret a document if required to perform the essential job functions.
• Ability to travel if required to perform the essential job functions.
• Ability to lift/move/carry approximately 10 pounds if required; accommodations may be made if unable.

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.

Seniority level:
Mid-Senior level

Employment type:

Full-time

Job function:
Sales and Business Development

Industries:
Banking