ERM Credit Risk Analyst Sr at New York Community Bank in Westbury, New York

Posted in General Business 19 days ago.

Type: Full-Time

Job Description:


Bachelor's Degree in Accounting, Finance or Business Administration or related field. Formal credit training required. Minimum of five years of professional level experience in financial services environment. Experience training others to perform job-related tasks.


Knowledge of basic credit analysis, and experience performing financial projections. Knowledge of basic accounting principles. Knowledge of credit risk databases that provide data and analytical support to senior management team.

Based in Westbury, NY, New York Community Bank is a New York State-chartered savings bank serving customers throughout Metro New York, New Jersey, Ohio, Arizona and Florida. New York Community Bank serves customers through over 200 branches featuring a divisional structure: Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio; and AmTrust Bank in Florida and Arizona. With a longstanding reputation of strength, stability and service, NYCB is proud to be committed to the communities it serves.

To learn more about the NYCB Family of Banks visit us at .

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NYCB is an equal opportunity employer that prohibits discrimination on the basis of race, color, age, sex, national origin, ethnicity, religion, marital status, disability, military status, veteran status, domestic violence victim status, gender identity or expression, sexual orientation, genetic information and any other classification protected by applicable federal, state, or local law or ordinance.

This policy against discrimination applies to all terms and conditions of employment including, but not limited to: recruitment and selection, promotion and demotion, transfer, training and development, compensation, benefits, leaves of absence and termination. NYCB will consider reasonable accommodations for employees and applicants with disabilities, as well as accommodations that are necessary for an employee to practice their religious faith. JOB SUMMARY

ERM Credit Risk Analyst, Senior is responsible in assisting the ERM Credit Risk Manager for risk identification, measurement, aggregation, and monitoring of all credit related activities. Responsible for the development and implementation of integrating credit risk management within all areas of the Bank as it relates to new products, existing products and all activities where credit risk is embedded. Maintains an in depth knowledge and expertise of the various credit related objectives and mitigating controls to ensure credit risk is appropriately managed.


Prepares and presents management reports for the ERM Credit Risk Manager, to anticipate credit exposures that reflect elevated levels of risk. Develops complex *what if* scenarios that go beyond simpler trend analysis assessing variables (utilizing stress test tools and output) that change key risk drivers and their impact to expected losses, earnings and capital. Leverages the data and risk analytics team within ERM to build a credit dashboard that will provide Executive Management and Business Process Owners with a deeper level of analytics to capture emerging risks and their impacts to concentration, earnings, liquidity and capital. Utilizes available tools within the ERM department to produce analyses against regulatory peer data and market level analyses. Produces forward looking analyses utilizing third-party purchased macroeconomic data to project credit trends in NYCB's primary and non-primary lending areas. Develops quarterly reports that provide granular level information as it pertains to our portfolio characteristics for each loan type. Reports include information on changes, trends, and key characteristics that influence the risk of the loans and investments within our balance sheet.