Enterprise Risk Management Analyst

1 month ago

Washington, United States City First Bank Full time

WHO WE ARE

City First Bank N.A. is a mission-driven Community Development Financial Institution (CDFI) principally focused on a transformative impact in underserved, urban markets with the highest needs to drive equitable economic development. Our lending activities are purely commercial and focused on the following segments: Multifamily Affordable Housing, Not-for-Profit Finance, and Small Business Finance. As a depository and commercial lending provider with over $1.4 billion in bank assets as of December 31, 2023, our unified organization has over 100 employees in Washington DC and Los Angeles/Inglewood, CA.


ROLE SUMMARY

The Enterprise Risk Management (ERM) Analyst is responsible for supporting the bank's Enterprise Risk Management framework by assessing and managing risks related to commercial real estate lending and investment activities. The position requires collaboration with various departments, including lending, credit, compliance, and audit, to ensure that the bank's risk profile is managed effectively and within regulatory guidelines.


ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

  • Analyze risks specific to commercial real estate transactions, including credit risk, market risk, operational risk, and legal risk.
  • Conduct risk assessments on new real estate loans, investments, and other real estate-related financial products.
  • Evaluate potential impacts of economic trends, property market conditions, and regulatory changes on the bank’s commercial real estate portfolio.
  • Develop and maintain risk monitoring tools and dashboards for real estate portfolios.
  • Prepare regular reports for senior management and the board on key risk indicators, emerging risks, and the overall risk profile of the bank’s commercial real estate exposure.
  • Track the performance of commercial real estate loans and identify potential problem areas.
  • Ensure adherence to regulatory requirements related to commercial real estate lending (such as Dodd-Frank, Basel III, etc.).
  • Review and recommend updates to the bank’s ERM policies, procedures, and frameworks, particularly those that impact real estate lending.
  • Assist with internal audits and regulatory examinations related to risk management.
  • Work with business units to implement risk mitigation strategies for commercial real estate loans, including stress testing, loan loss reserves, and credit enhancements.
  • Recommend corrective actions and best practices to minimize risk exposure.
  • Use data analytics to perform stress tests and scenario analyses to predict the impact of various market conditions (e.g., rising interest rates, changes in property values) on the bank’s portfolio.
  • Analyze historical data and market trends to inform future lending strategies and risk appetite.
  • Partner with loan officers, credit analysts, and commercial real estate experts to understand the business and risk environment.
  • Communicate findings and recommendations clearly to non-risk specialists, ensuring that key risks are understood at all levels of the organization.
  • Provide training to staff on ERM concepts, focusing on risk management in commercial real estate.
  • Support a risk-aware culture within the bank by educating employees about the importance of adhering to risk management policies.


EDUCATION & EXPERIENCE

Required Education/Experience:

  • Bachelor’s degree in finance, economics, business administration, or a related field.
  • 2-5 years of experience in risk management, credit analysis, or commercial real estate.


CERTIFICATIONS

  • Certification in Risk Management (e.g., FRM, PRM) is preferred.


KNOWLEDGE, SKILLS, AND ABILITIES

Required Knowledge & Skills:

  • Strong understanding of commercial real estate markets, lending practices, and associated risks.
  • Familiarity with regulatory frameworks such as Dodd-Frank, Basel III, and OCC guidelines.
  • Excellent analytical skills and proficiency with risk modeling and data analysis tools (e.g., Excel, SQL, or other relevant software).
  • Strong communication and presentation skills with the ability to explain complex risk issues to senior management and the board.

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