Senior Credit Risk Analyst
If you like to work with people in a family atmosphere, enjoy great benefits and provide unequaled personal service to every customer, consider a career with Bell Bank.
Company Information:
Bell Bank was founded in 1966 and headquartered in Fargo, North Dakota. It is the largest family-and employee-owned bank in the upper Midwest, and one of the largest in the nation, with assets of more than $10 billion. Bell Bank has full-service banking locations in North Dakota, Minnesota and Arizona. Bell has empowered more than $26 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.
Bell Bank has been recognized as a top workplace by American Banker, Forbes and Fortune.
If you want to work for an established, growing, forward-looking organization with world-class employees, this is the place for you. Let Bell Bank be your destination workplace.
Bell's Values:
As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:
- Promoting and sustaining our family atmosphere.
- Providing unequaled personal service to each and every customer.
- “Paying it forward” by giving back to the communities we serve.
Our Bottom Line:
Happy Employees! Happy Customers!
Job Summary:
The Senior Credit Risk Analyst works closely with the Credit Risk Reporting Manager and other stakeholders in managing enterprise credit risk and other loan portfolio related activities. The key objectives of this role include assimilating, analyzing, monitoring and reporting credit risk information flowing up from the loan level to the portfolio level to inform and deliver knowledge to drive strategic and tactical portfolio management decisions, which have meaningful impact to the Bank's financial and operating performance.
Primary Duties:
- Perform in-depth risk analysis of the Bank's loan portfolio, focusing on both commercial and consumer lending segments.
- Monitor and assess overall portfolio and portfolio segment performance, identifying emerging risks and risk trends to provide proactive risk management insights about asset quality and portfolio concentration risk.
- Stay abreast of market trends, changing economic outlooks, and other emerging risks to evaluate impact to the overall portfolio.
- Participate in the development, execution, and accuracy of recurring MIS reporting related to bank asset quality.
- Apply sensitivity analysis, stress testing, market trend, and other analytical methodologies to anticipate credit trends or deterioration and obtain insights into portfolio performance and market opportunities in an attempt to identify and mitigate potential credit exposure to the portfolio.
- Assist with portfolio stress testing and scenario analysis to measure the impact of various economic conditions on portfolio resilience.
- Provide support for the quarterly allowance for credit loss (CECL/ACL) estimation process.
- Lead ad-hoc projects or other duties as assigned.
- Participate in various risk presentations for Senior Management that include portfolio activities, analytics of risk, performance, emerging trends, and opportunities.
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
- Know, understand, and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Job Skills Required:
- Bachelor's degree in finance, economics, business, or a related field. An advanced degree (e.g., MBA) is highly desirable.
- Minimum of 3-5 years of experience in portfolio risk analysis within the banking or financial services sector.
- The ideal candidate has 5+ years of experience in credit risk, strong analytical ability, intellectual curiosity, and excellent communication skills.
- In-depth knowledge of commercial and consumer lending products, including C&I loans, CRE mortgages, residential mortgages, home equity loans, and personal consumer loans.
- Strong analytical skills with a proven ability to interpret complex financial data and identify key risk factors.
- Knowledge of credit risk frameworks, including regulatory expectations and industry best practices.
- Excellent written and verbal communication skills, with the ability to present complex information clearly and concisely to senior stakeholders.
- Strong proficiency and comfort with information technology solutions including the Microsoft Office suite of applications, PowerBI and/or other data management, analytical, and risk management software applications.
- Working knowledge of databases and structured query language (SQL).
Bell Bank provides competitive compensation and an excellent benefits package.
Bell Bank
Equal Opportunity Employer
