Freelance Credit Risk Modeling Jobs in Virginia (NOW HIRING)

John Marshall Bank is seeking a seasoned Credit professional to lead our credit risk assessment, loan monitoring and policy compliance, portfolio analytics, stress testing, and allowance for credit losses (CECL) program management. This high-impact role serves as a key partner to the Chief Credit Officer, transforming complex loan data into strategic insights. The ideal candidate blends technical mastery of various software programs with the leadership presence to manage vendor relationships and regulatory audits.

Strategic Portfolio Analytics & Reporting

• CRE Concentration Management: Lead the preparation and analysis of CRE Concentration Reports
• Market Intelligence: Leverage Moody's and other market data to identify emerging trends; translate raw data into sophisticated, "Board-ready" reporting.
• Data Visualization: Utilize advanced Excel (Pivot Tables, VLOOKUPs, Power Query) to develop charts and dashboards that communicate portfolio health to stakeholders.

Credit Risk Stress Testing

• Bottom-Up Testing, Top-Down Modeling & Risk Identification: Audit CRE loan data, updating NOI and appraisal information; perform sample testing to verify the accuracy of core-to-software data feeds, maintain and update top-down stress models, evaluate stress testing results to identify high-risk segments and analyze the underlying drivers of risk.

CECL Program Leadership

• Program Governance: Own the CECL reporting lifecycle, reconciling balances across the GL and the model while incorporating qualitative frameworks.
• Executive Communication: Lead the quarterly CECL Steering Committee; prepare detailed memos, minutes, and PowerPoint presentations for the Board.
• Compliance & Audit: Manage the CECL refresh and validation processes and serve as the primary point of contact for internal and external audits.
• Vendor Management: Oversee the vendor process, including vendor selection, contract negotiations, and due diligence.

Portfolio Surveillance & Quality Control

• Covenant & Review Management: Oversee the annual review process; monitor loan covenants to ensure prompt assessment and resolution of violations.
• Production & Quality Reporting: Manage the delivery of comprehensive monthly and quarterly report packages covering loan production and credit quality.
• Specialized Monitoring: Provide deep-dive analysis into portfolios for inclusion in public press releases and regulatory filings.

Special Assets & Credit Support

• Watch List Management: Partner with the Chief Credit Officer to manage criticized assets; coordinate and lead Watch List meetings and prepare Criticized Asset Reports.
• Borrower Engagement: Assist in the direct or indirect management of troubled loan relationships as needed.

• Education: Bachelor's degree
• Experience: 10–15 years of progressive experience in Commercial Credit Analysis, Portfolio Management, or Credit Administration.
• CECL Proficiency: Direct experience supporting a CECL program, including running models and preparing quarterly reporting materials.
• Technical Mastery: Advanced Excel skills (Pivot Tables, VLOOKUPs, and complex data modeling) and experience with Moody's or similar market data platforms.
• Credit Analysis: Professional-level ability to spread and analyze financial statements, tax returns, and complex financial data to interpret metrics and ratios.
• Communication: Proven ability to draft professional memos and reports for Senior Management and Board-level review.

• Education: Bachelor's or master's degree in finance, Accounting, Economics, or a related field,
• Advanced CECL Expertise: Experience leading the full CECL life cycle, including managing the annual refresh process, vendor selection for model validation, and contract negotiations (specifically with Abrigo).
• Regulatory & Audit Leadership: Experience acting as the primary point of contact for internal and external audits and regulatory exams related to credit risk and allowance methodologies.
• Lending Authority: Previous Loan Approval Authority is highly desirable, demonstrating a high level of credit judgment and risk assessment.
• Software Expertise: Direct, hands-on experience with Abrigo (Lender Platform/Stress Testing) and H360 core banking systems.
• Stress Testing: Experience designing or executing both Top-Down and Bottom-Up stress testing models.
• Special Assets: Experience in working out problem loans.
• Industry Certifications: Relevant certifications such as CPA, CFA, or RMA (Risk Management Association) Credit Risk Certification.

Compensation for this role ranges from $165,000.00-$195,000.00, commensurate with your experience and qualifications.

At John Marshall Bank, we pride ourselves on being able to attract the best talent in the industry, therefore we offer a comprehensive benefits package which includes:

• Medical
• Dental
• 401K Retirement Plan w/ an Employer Match
• Vision
• Employee Assistance Program
• Flexible Spending
• Transit Reimbursement
• Long Term Care
• Paid Time Off
• Life and Disability Coverage

John Marshall Bank is an Equal Opportunity Employer. At this time, John Marshall Bank will not sponsor a new applicant for employment authorization for this position.