Credit Systems Analyst

The incumbent will develop strong partnerships and will work with multiple departments to review the structure, content and quality control and quality assurance of identified critical and system-generated reports utilized by Credit Systems in calculating the Allowance for Credit Loss (ACL). The position will assist with maintaining and improving the structure and reporting process with respect to policy exceptions, financials, covenants, criticized assets, watch lists, and annual reviews as needed. The incumbent will support management with the planning, design and execution of departmental audits and reviews. The position can work independently under limited supervision as well as a member of a department or project team.

Essential Job Responsibilities

1. Develops and produces advanced, standard and ad hoc department and enterprise-level credit reporting. Ensures accurate report production for Credit Committee, other committees and/or other staff meetings as assigned.

2. Develops, maintains and reconciles independent models used in calculating the quarterly Allowance for Credit Loss (ACL).

3. Works with multiple departments to review the structure, content and quality of internal and system-generated reports. Develops strong partnerships to aid in understanding of underlying business drivers that may affect reporting.

4. Adheres to applicable credit/operational risk controls in accordance with Company and regulatory standards and policies. Keeps abreast of business and credit risk trends that may affect reporting.

5. Assembles, compiles, and resolves errors/inconsistencies in data from various business partners to ensure consistency in reporting.

6. Streamlines current processes and reports, and works on various special projects to improve the department’s efficiency.

7. Deletes and appends records (for the above systems) for consistent information.

8. Utilizes specialized reporting that requires the ability to resolve complex issues in creative and effective ways by applying professional concepts and bank objectives for the following:

a. Tracking Policy Exceptions and running analysis reports.

b. Tracking/monitoring financial statements and running analysis reports.

c. Tracking/monitoring financial covenants and running analysis reports.

1. Maintains and updates the department business continuity plan.

2. Supports and provides direction to other Credit Systems Analysts on business reporting and analytic solutions as necessary.

3. Ability to lead some Credit Systems projects and update management on the status.

4. Complete other related duties as assigned.

1. Bachelor’s degree in Business, Accounting, Finance, Economics or related field or have equivalent experience.

2. At least two years of related work experience in lending/credit, report writing, core systems or related activities are encouraged.

3. Strong data analysis skills are required.

4. Outstanding verbal and written communication skills and interpersonal skills. Communicate across all levels of the organization as well as externally with auditors, examiners and software vendors. Present clear and concise reporting to senior level management.

5. Advanced problem solving skills and analytical planning. Possess the ability to work independently in providing solutions to complex and diverse assignments.

6. Proficient PC Skills including Word, Excel, Access.

7. Must have a valid driver’s license. Minimal travel between Indiana, Pa, Pittsburgh, Pa. and Northeast Ohio may be required.

8. Proficient reading, writing, and grammar skills, proficient analytical and mathematical skills; proficient communicative and interpersonal relations skills. Possess a thorough knowledge of credit administrative procedures, commercial lending practices, loan structures, regulations, risk assessment, products, data structures and reporting.

9. May be eligible for Telecommuting

Recommended

1. Working knowledge of SQL

2. Working knowledge of Microsoft Report Builder and SQL Server Management Studio

3. Understanding of the Current Expected Credit Loss accounting standard (CECL)

4. Understanding of Model Risk Management and SOX Controls