Credit Portfolio Analyst I

This position can be located at ourBillings, Missoula, MT and Sioux Falls, SD Downtown branch.

What's Important to You

We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Child Care Assistance Program for eligible dependent(s).
• Exercise reimbursement program for employees.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.

SUMMARY
The Credit Portfolio Analyst I prepares financial statement schedules required by the company, its external auditors, the Federal Reserve, the Securities and Exchange Commission, and other regulatory authorities to analyze the differences in scenarios including but not limited to changes in risk rating migration, delinquency rates, charge-off and recovery and economic impacts.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Conducts data validations to ensure data integrity

• Completes execution of the current expected credit loss (CECL) model and assesses the adequacy of loss rate within the portfolio.

• Maintains the CECL model data inputs and recognizes the impacts to the CECL model results.

• Monitors trends and assesses any potential risks to the CECL model results.

• Facilitates the completion of the financial reports required for credit portfolio disclosures.

• Conducts stress testing and analysis of scenarios impacting the portfolio.

• Reports and discusses significant credit portfolio risks with Senior Management.

• Administers changes to model inputs to create different outputs based on different scenarios.

• Provides properly documented, accurate, and timely responses to requests.

• Facilitates the understanding of the current credit risk management practices and measures that are being implemented.

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS AND ABILITIES

• Computer skills with knowledge of Microsoft Word, Microsoft Excel, Microsoft PowerPoint, and Microsoft Teams.

• Demonstrated research and analytical skills.

• Knowledge of financial institutions through finance or accounting.

• Familiarity with analytical software and SQL.

EDUCATION AND/OR EXPERIENCE

• Bachelor's Degree in Business Administration or related field required

• 1-3 years related experience, training, and/or equivalent combination of education and experience required

PHYSICAL DEMANDS AND WORKING ENVIRONMENT
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

• Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently

• Sitting - Frequently

• Standing - Occasionally

• Noise Level - Moderate

• Typical Work hours - M-F (8-5)

• Regular and Predictable Attendance - Required