Senior Unsecured Credit Risk Analyst

Compensation Grade:

BASIC PURPOSE:

ESSENTIAL FUNCTIONS:

• Evaluates counterparties' and borrowers' overall financial condition and underwrites credit availability, credit lines, advance requests, commitments, letters of credit, unsecured borrowings, and participation in other programs.

• Ensures that all borrowings comply with Credit and Collateral policies.

• Performs in-depth financial analyses and prepares credit reviews for the Bank's counterparties and borrowers. Presents findings and recommendations to senior management, the Bank's Credit and Collateral Committee, and the System's shared review group, and communicates results to institutions.

• Assists the Bank's senior management and the Bank's Credit and Collateral Committee in formulating decisions regarding the interpretation of the Bank's credit policy and the regulations promulgated by the Federal Housing Finance Agency.

• Runs the unsecured credit risk model, and monitors the Bank's counterparties (both financial risk and market risk factors) on a daily basis.

• Protects the Bank against the risk of default on outstanding borrowings by possessing a thorough knowledge of the financial services industry and the financial condition of the Bank's borrowers and counterparties and applying this knowledge in the evaluation process. Identifies potential areas of concern of a borrower to ensure proper protection and monitoring are in place.

• Reviews and interprets regulatory policy, procedures, and relevant industry publications to stay abreast of industry and market changes.

• Works with the Treasury department to ensure the Bank's unsecured counterparties are financially healthy and sufficient to meet the Bank's needs. Interacts with borrowers, relationship managers, and others involved in the lending process to ensure credit worthiness of secured borrowers.

• Responds to Bank, counterparty, and member inquiries regarding credit-related issues.

KNOWLEDGE, SKILLS, ABILITIES:

Prior bank regulatory experience or bank equity research experience is a plus.

Proficiency in Microsoft Word and Excel to develop financial spreadsheets, models, and form templates.

Strong communication, presentation, and problem-solving skills.

• A bachelor's degree in finance, accounting, or economics and eight years of work experience in analyzing the creditworthiness of financial institutions with rating or regulatory agencies, or the equivalent combination of education and experience is necessary.

• A master's degree is preferred.

• Bloomberg experience is a plus.

• One year supervisory or team leader experience is a plus.

• May require overnight travel.

Work Location:This individual must reside within commuting distance from ourAtlanta, GAoffice. This position may not be filled in California, either in-person or remotely.

Work Schedule:Onsite with an opportunity to work remote partially.

Visa Sponsorship: Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

We are an equal opportunity employer.