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Umpqua Bank Risk Analyst in Portland, Oregon

JOB PURPOSE

Performs ongoing control testing for various risks throughout the Bank. Works on complex problems of diverse scope where analysis of data requires evaluation of identifiable factors. Assesses and analyzes processes and controls in place making evaluative determination of effective design and operation. Effectively scopes, designs, and executes test scripts within established deadlines.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Performs control testing for key compliance, operational, financial, IT and other risk areas of the Bank. Analyzes data sets and draws conclusions.

  • Designs new and effective test scrips with minimal guidance. Responsible for creating, editing, and validating all reports used for testing.

  • Is a collaborative member of the Community Banking Processing Center and reports directly to the Community Banking Processing Center Manager.

  • Works collaboratively with Underwriters, Community Banking Risk Managers and Business Unit Compliance Officers to determine specifications of the loan processing monitoring program.

  • Develops appropriate methodologies in order to determine appropriate sampling levels.

  • Ensures the depth and frequency of the program meets expectations by considering audit and exam findings as well as the results of internal monitoring programs.

  • Provides monitoring results periodically to management with recommendations for process and procedural changes that will improve results.

  • Makes recommendations for additional training and communication to front-line and back-room departments based on analysis from the monitoring program.

  • Maintains accurate and up-to-date records of monitoring results for further review by Auditors, Examiners, Risk Managers and Compliance Officers.

  • Stays apprised of product details as well as regulatory and procedural changes that might impact processing quality.

  • Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities -- knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.

  • Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.

  • Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.

  • May be asked to coach, mentor, or train others and teach coursework as subject matter expert.

  • Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words.

  • Takes personal initiative and is a positive example for others to emulate.

  • Embraces our vision to become "The World's Greatest Bank."

  • May perform other duties as assigned.

SUPERVISORY RESPONSIBILITIES

n/a

REQUIRED KNOWLEDGE, SKILLS AND ABILITIES

  • Requires a bachelor's degree or equivalent.

  • 3-5 years of relevant commercial and/or retail lending processing experience.

  • CRCM certification preferred.

  • Advanced knowledge of regulatory compliance requirements of the financial services industry.

  • Extremely strong relationship management abilities, analytical and problem solving skills, and credit and credit quality skills.

  • Advanced knowledge of Small Business and other lending products and services that result in successfully assessing and identifying quality control initiatives.

  • Proven track record of success and skills in project management, process development and procedural documentation.

  • Strong auditing, credit analysis and quality control skills.

  • Knowledge of lending policies, procedures, practices and documentation.

  • Excellent written and verbal communication and presentation skills.

  • Ability to work effectively with individuals and groups across the company to manage relationships.

  • Advanced skills in Excel.

  • Ability to train and present to small and large audiences or has the interest in learning to train and present.

PHYSICAL AND ENVIRONMENTAL DEMANDS

  • Work involves sitting, occasional walking, and lifting up to 10 pounds.

  • Requires close visual acuity.

  • Normal office environment and exposure to weather when visiting customer sites.

  • Occasional local travel.

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