Portfolio Risk Analyst III

First Interstate Bank - Boise, ID

Full-time - Mid Level

Boise, ID

Credit Intermediation and Related Activities

About the position

The Portfolio Risk Analyst III position is a critical role within the Special Assets group at First Interstate Bank, responsible for conducting credit underwriting analysis and monitoring portfolio risk across the bank's non-retail loan portfolio. This position involves developing and publishing risk-related reports, performing enhanced analysis of portfolio trends, and assisting in the development of 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.
• Perform other job-related duties or special projects as assigned.

Requirements

• Bachelor's degree 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.
• Strong PC skills including MS Excel, Word, and PowerPoint.

Nice-to-haves

• Credit risk certifications
• Experience with Fiserv, Credit Track, Primatics systems

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.