Credit Risk Analyst (Remote Position Between June 2015 And August 2019)
Houston, Tx, Us
Utilized credit risk models, credit bureau reports, credit presentation memos, corporate credit policy and financial statements to analyze the creditworthiness of commercial & industrial, high-net-worth individual, commercial real estate and energy industry borrowers to ensure accurate obligor credit risk ratings were assignedMonitored industry news and regulatory landscape and provided independent assessments of the impact on borrowers in assigned portfolio and escalated concerns to senior management when necessaryCollaborated with Relationship Managers to ensure that loans were correctly structured before submission to the Credit Review Committee and approved credit risk ratings after loan deals were finalized.Communicated trends in risk grades to senior management Worked with internal and external auditors to identify areas for improvement in the risk grading processCleared monthly exception reports to fix issues such as incorrect collateral codes, NAICS codes, product codes and missing obligors/guarantors to ensure that periodic reporting was accurateProcessed obligor upgrade and downgrade requests due to changes in borrowers’ leverage profiles to ensure that credit loss provisions were updated on a monthly and quarterly basisConducted Enterprise Valuation Analysis studies for various bank lending units during the underwriting process for borrowers that lacked sufficient collateral for proposed loans or for which repayment of bank debt depended on the sale of the businessKey Accomplishments:Consistently achieved one of the lowest error rates in quarterly reviews compared to peer analysts during tenure as a Credit Risk AnalystCompleted over twenty-five Enterprise Value Analysis studies that totaled over US$100,000,000 in closed loan deals Served as part of Amegy Bank’s business continuity team that provided loan support services in case of business disruption due to unforeseen events