Credit Risk Analyst

$75,000 - $75,000/Yr

Itac Sa/Ag - Birmingham, AL

Full-time

Birmingham, AL

Professional, Scientific, and Technical Services

About the position

As a Credit Risk Analyst, you will play a crucial role in overseeing and analyzing the Current Expected Credit Loss (CECL) model within a financial institution. This position allows you to influence data-driven decisions and collaborate with senior leadership to enhance data capture and utilization.

Responsibilities

• Running and analyzing the CECL model, including data validation, parameter setting, and results analysis
• Maintaining the CECL allowance model and understanding its methodologies and policies
• Preparing data, calculations, documentation, and reporting to support the ACL
• Assembling quarterly allowance presentations for the ACL Committee and the Board
• Assisting in data projects to refine and track loan-related data
• Participating in data onboarding for acquired entities and identifying PCD assets
• Parsing, reconciling, and analyzing large data sets for accuracy and integrity
• Ensuring compliance with the CECL control framework
• Researching and analyzing GAAP, regulatory, control issues, and other relevant trends
• Creating audit documentation and responses for auditors and regulators
• Supporting other Risk and Finance reporting as needed

Requirements

• Bachelor's Degree in Accounting, Finance or related field
• Strong experience in finance/accounting, particularly in risk/credit
• Solid Excel skills, including pivot tables and VLookup
• Ability to handle and analyze large data sets
• Excellent analytical and decision-making skills
• Strong attention to detail and ability to set priorities
• Ability to maintain the highest level of ethical behavior and confidentiality

Nice-to-haves

• Experience with CECL or credit losses

Benefits

• Health benefits starting the 1st of the month following the start date
• 401k with a maximum 3% match
• Generous PTO: 23 days plus 11 federal holidays