BUSINESS ANALYST - CORPORATE CREDIT RISK DEPARTMENT - FIRSTBANK PR Job at First

BUSINESS ANALYST - CORPORATE CREDIT RISK DEPT.

Job Summary :

Assist in the execution of the more complex commercial credit risk functions and analyses. Assist the Commercial Credit Risk Manager (“CCRM”) in the execution of all of the business analyticsrelated to the commercial, construction and commercial real estate loan portfolios and other complex credits.Prepare reports and provide insight analysis on assigned portfolio performance and asset quality.Assists in the preparation and execution of the Company-Run annual Dodd-Frank Act Stress Testing (DFAST) regulatory exercise.

Essential Responsibilities :

• Provide close monitoring of the Commercial Loan Portfolio performance, which includes Commercial C&I, Construction, Vehicle Floor Plan, Commercial Real Estate and all loans managed through the Special Assets Group across all operating regions.
• Responsible for the portfolio preparation, reconciliation and data integrity for the modeling of DFAST stress testing. Also, evaluates commercial credit stress testing model results and provide analysis.
• Serve as main liaison with Moody’s Analytics and support during and after Lending Cloud platform implementation.
• Accountable of the analysis and memorandum preparation of commercial loans accruing status and charge-offs recognition.
• Prepares the quarterly delinquency reports for all Business Units.
• Lead analyst for all data quality and integrity projects.
• Prepares analysis of portfolios in a clear, concise and actionable format and assist in the development of plans and recommendations for mitigation strategies and tactics.
• Assists in the management of schedules to develop data support on portfolio performance reporting and risk rating monitoring.
• Assists and provides support for complex risk projects requiring advanced analytical, quantitative and technical skills.
• Supports the coordination, monitoring and communication of the Corporate Credit Risk Area to ensure compliance with all required deadlines and responsibilities.
• Monitor macroeconomic indicators of all regions for potential emerging risks.
• Main liaison with business units for all data classification and data integrity matters.
• Assist in the preparation of presentations and reports to the Credit Committee or BOD as needed ( e.g. Asset Quality, Concentration, Policy Exceptions)
• Maintain inventory of all Credit Risk Policies, Procedures and Committee Charters.
• Prepare Credit Risk Analysis as requested by the Commercial Credit Risk Manager or the Chief Credit Risk Officer.

Other Responsibilities :

Independence of Judgment :

The degree of judgment is related to the integration and coordination of varied elements and its application to specific subjects and the support to the creation and implantation of policies; development and implementation of policies, strategies and work methods of general application, business reporting; and the recommendation of action or decision on business sensitive subjects essential to the functions of the Bank.

Supervisory Responsibilities :

Impact of Errors :

The impact of errors of this position could affect critical Bank reporting and accounting matters. Also affects the Bank image through the regulatory agencies.

Competencies :

Physical Demands :

Minimum Requirements :

EQUAL EMPLOYMENT OPPORTUNITY EMPLOYER

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