[Hiring] Credit Review Portfolio Risk Analyst I @First Commonwealth Bank

Role Description

The Credit Review Portfolio Risk Analyst I primarily administers the Abrigo DiCOM platform to support portfolio risk evaluation, risk-based loan sampling, borrower line sheet reviews, reporting, trend analysis, and the identification of emerging risks. The role also leverages approved AI tools to enhance efficiency, consistency, and quality of lending segment examinations. The position performs credit reviews across lending segments and contributes to the achievement of departmental objectives. This role develops credit analysis expertise through exposure to a broad range of borrower financial and business profiles. The Credit Review Portfolio Risk Analyst I demonstrates developing proficiency in assessing a borrower’s repayment capacity, evaluating the accuracy of assigned risk ratings, and reviewing the effectiveness of the Bank’s ongoing monitoring activities. The position collaborates with Credit Review Officers to perform detailed analysis and examination of basic to moderate credit relationships, with guidance from the Senior Credit Review Manager as needed and communicates results to management. Proficiency in Microsoft Word and Excel, along with strong analytical, organizational, and problem-solving skills, is required.

Qualifications

• Understanding of basic financial statements and credit principles and ability to analyze information and identify potential risk indicators.
• Loan documentation and collateral review — familiarity with loan agreements, collateral documentation, lien perfection, appraisals, covenant requirements, borrowing bases, and exceptions.
• Regulatory and policy awareness — working knowledge of banking regulations, credit policy, lending standards, internal controls, and safety-and-soundness expectations.
• Audit/review discipline — ability to plan and execute review procedures, document work clearly, support conclusions, identify root causes, and communicate exceptions constructively.
• Analytical curiosity and professional skepticism — willingness to ask probing questions, identify emerging risk trends, and connect borrower-level findings to broader portfolio risk.
• Written communication and report writing — ability to prepare concise credit review narratives, findings, recommendations, and management-ready summaries.
• Data and portfolio analysis skills — comfort using Excel and reporting tools to analyze loan populations, trends, concentrations, exceptions, and risk indicators.
• Collaboration and relationship management — ability to interact professionally with lenders, portfolio strategists/managers, credit administration, risk management, internal audit, and external examiners while maintaining independence.
• Attention to detail and accuracy — thoroughness in reviewing documents, financial data, risk ratings, exceptions, and compliance with policy requirements.
• Continuous learning mindset — interest in developing expertise in credit risk, regulatory expectations, accounting, industry analysis, and audit/review methodology.
• Relevant credentials or training preferred — coursework or certifications in commercial credit, accounting, banking, internal audit, risk management, or financial analysis can be helpful.

Requirements

• A bachelor’s degree in Finance, Accounting, or related field.
• 0-3 years of banking, credit, lending, audit, or related financial services experience.
• Prior internship or entry-level experience in banking, credit administration, or finance is preferred.
• Strong ability to apply financial institution policies and procedures to work performed, and proficiency in Microsoft Word and Excel is essential.
• Excellent communication, organizational, problem-solving, and analytical skills, including the ability to define problems, collect data, establish facts, and draw conclusions. Proficient reading, writing, and grammatical skills.
• Must possess a valid driver’s license and be available for regional travel as needed.
• May be eligible for Telecommuting.

Company Description