Consumer and Regional Bank - Portfolio Risk Specialist - Senior

Huntington Bancshares - Columbus, OH

Full-time - Senior

Columbus, OH

Management of Companies and Enterprises

About the position

Huntington's Consumer and Regional Bank organization is seeking a Portfolio Risk Specialist - Senior to join its Segment Risk Team supporting the first line of defense Credit. In this role, the qualified candidate will be responsible for evaluating and monitoring assigned complex portfolios for purposes of credit quality, risk management, and portfolio analysis. This will include using portfolio analytics to help identify areas of concern and emerging opportunities within the Consumer and Regional Banking loan portfolios. The ideal candidate for this role will have a foundation of credit and strong data management skills, as well as being a good collaborator and communicator. The Portfolio Risk Specialist will identify credit quality issues, potential portfolio risks, and/or economic risk. They will develop Credit Risk Management analysis to identify emerging opportunities and areas of concern in the Consumer and Regional Banking loan portfolios. Ensuring alignment with established Risk Appetites and Credit Policies is crucial. The specialist will partner with first- and second-line credit and risk leaders by utilizing analytics to manage critical risks and trends in the loan portfolios. They will serve as the Credit Risk subject matter expert within Segment Risk, including credit risk analysis on risk assessments and new product development initiatives. Monitoring the portfolio for compliance with corporate and regulatory requirements is a key responsibility. The specialist will evaluate and report on portfolio performance and forecast future performance trends. They will inform management of potential credit and/or economic portfolio risk and recommend strategies to minimize the risk. Additionally, the role involves assisting with the management of credit findings and remediation plans related to control tests, breached metrics, or other issues. The specialist will work with various bank personnel in developing strategies that support portfolio objectives and foster a risk awareness culture in the business segment.

Responsibilities

• Identifies credit quality issues, potential portfolio risks and/or economic risk.
• Develop Credit Risk Management analysis to identify emerging opportunities and areas of concern in the Consumer and Regional Banking loan portfolios.
• Ensure alignment across with established Risk Appetites and Credit Policies.
• Partner with first- and second-line credit and risk leaders by utilizing analytics to manage critical risks and trends in the loan portfolios.
• Serve as the Credit Risk subject matter expert within Segment Risk, including credit risk analysis on risk assessments and new product development initiatives.
• Monitors the portfolio for compliance with corporate and regulatory requirements.
• Evaluates and reports on the portfolio performance and forecasts future performance trends.
• Informs management of potential credit and/or economic portfolio risk and recommends strategies to minimize the risk.
• Assisting with the management of credit findings and remediation plans related to control tests, breached metrics, or other issues.
• Works with various bank personnel in developing strategies that support portfolio objectives.
• Foster a risk awareness culture in the business segment.

Requirements

• 7+ years of portfolio risk management experience
• Bachelor's Degree

Nice-to-haves

• Master's Degree
• Ability to use critical thinking and creativity to solve business problems.
• Comprehensive knowledge and skill utilizing data management/analytics software and Microsoft Excel data management techniques working with large databases.
• Knowledge of the financial services regulatory environment.
• Knowledge of commercial and consumer credit analysis and risk metrics.
• Ability to collaborate and foster teamwork.
• Demonstrated strong written and verbal communication skills, including the ability to present ideas clearly and concisely while demonstrating confidence and competence in group meetings.
• Effective facilitation and presentation skills, leveraging strong interpersonal, communication, and analytical skills.
• Ability to manage multiple work-streams and deliverables, as well as coordinate across functional initiatives.