Portfolio Risk Analyst III

First Interstate Bank - Billings, MT

Full-time - Mid Level

Billings, MT

Credit Intermediation and Related Activities

About the position

The Portfolio Risk Analyst III position within the Special Assets group (SAG) is responsible for conducting credit underwriting analysis on SAG borrowers and monitoring portfolio risk across First Interstate Bank's non-retail loan portfolio. This role involves developing and publishing risk-related reporting on borrower and portfolio trends, ensuring compliance with management parameters, and enhancing credit risk analytics capabilities.

Responsibilities

• Deliver required credit underwriting analysis based on set timeframes in an accurate manner.
• Perform enhanced analysis of portfolio trends in support of the CCO report and other portfolio stress testing requests.
• Assist in the ongoing development of credit risk analytics capability, insight development, data & reporting, and forward-looking capability.
• Oversee monthly SAG officer reporting along with department performance monitoring and data input tracking.
• Test, monitor and produce industry and portfolio segment reports from the data stored in Credit Track.
• Assist in regular portfolio reviews to enhance the analytical base for assessment and reporting on credit performance outlook, portfolio analysis and risk profiling, and monitoring risk appetite.
• Oversee and manage the PLR/PLSR process to ensure all problem loans meet policy requirements.
• Produce analytical materials for discussions with cross-functional teams.
• Communicate analytical results to supervisor, other Risk Team members, line staff, and finance.
• Generate monthly, annual, and ad hoc reports on the Bank's loan portfolio.
• Develop expert knowledge in existing and new loan systems (Fiserv, Credit Track, Primatics, etc.).
• Provide mentoring and development to lower-level Portfolio Risk Analysts when necessary.
• Actively involved in the development of applicable Credit Policies, procedures and guidelines that tie back to Portfolio Risk, SAG and OREO.
• Acts as a resource for the SAG officers and Credit Approvers to assist with special projects, provide requested data and assist with system related needs.

Requirements

• Bachelor's degree (B. A.) from a four-year college or university (preferably in Business, Finance, Accounting or related field) or eight years of banking experience or equivalent combination of education and experience.
• Minimum of five years experience in a similar position.
• Commercial banking experience preferred.
• Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents.
• Ability to respond to common inquiries of complaints of customers, regulatory agencies, or members of the business community.
• Ability to write speeches and articles for publication that conform to prescribed style and format.
• Ability to effectively present information to top management, public groups, and/or boards of directors.
• Ability to work with EXCEL pivot tables and strong PC skills (MS Word, PowerPoint, etc.).
• Ability to define problems, collect data, establish facts, and draw valid conclusions.

Benefits

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.