Director of Credit Analytics

About Us

Are you someone who seeks opportunity and has a true desire to grow your career with an organization that has enriched the lives of its clients and communities in the Greater Washington region for more than 150 years? If so, Sandy Spring Bank may be the perfect fit for you!

Sandy Spring Bank is a growing financial services company focused on creating real experiences for our employees, clients, shareholders and communities. We are proud to have been certified as A Great Place To Work, recognized by The Washington Post and the Baltimore Sun as a Top Workplace, by Forbes magazine as the #1 Bank in Maryland, as well as by American Banker as a Best Bank to Work For. It is our employees who play an integral role in shaping who we are as a company and upholding what matters most to us: people and relationships.

To help us attract the highest quality individuals, we offer a comprehensive benefits package to those who qualify. We offer competitive market salaries, paid time off, multiple retirement savings options, full health care options, life insurance, health care and dependent care flexible spending accounts, career development opportunities, tuition assistance and volunteer opportunities. We are proud to offer those, and so much more, making Sandy Spring Bank a remarkable place to work and build a career.

About The Job

Sandy Spring Bank is currently recruiting for a Director of Credit Analytics in the Credit Risk Management Department. If you are the chosen candidate, you will be responsible for following established procedures, will lead the data analytics and reporting function of the department in the creation and reporting of critical loan data used in analyzing loan portfolio risk to include CECL modeling and monthly board risk reports. Maintains in-depth knowledge of loan classifications, regulatory guidelines, internal loan policy, servicing, and general banking. Along with other senior managers, makes recommendations for the strategic direction of the Bank's CRE, C&I, Mortgage and Consumer loan portfolios.

Areas of focus:

• Management/Leadership - Leads the portfolio risk management department in financial modeling and data analytics. Responsible for monitoring and evaluating employee performance and leading team members. Responsible for the collaboration with other departments for the accuracy and timely completion of the monthly CECL calculation and reports as needed.


• Allowance for Credit Losses - Prepares monthly reports to ensure the accuracy of the bank's Current Expected Credit Loss (CECL) calculation and commercial loan Watch List. Participates in the quarterly CECL Working Group meeting to assess the adequacy of the factors and assumptions that feed into the model. Presents a summary of activity within the model on a monthly basis to the ACL Approval Group.


• Analytics and Reporting - Analyzes the portfolio to identify operational, regulatory and/or credit risk. Such analysis involves, but is not limited to: concentration, LTV, geography, non-performing assets, exceptions, and stress testing. Identifies more meaningful ways to analyze and present information to highlight the risks in the loan portfolio (ie, KRI reporting, ad hoc reporting, migration analysis). Provides monthly and quarterly credit risk reporting on the health and composition of the bank's lending portfolio to Executive Management and the Board. Collaborates with other departments and stakeholders to continually enhance data quality. Presents the analysis to the bank's Credit Risk Committee on a quarterly basis, at a minimum. Business Intelligence Center and other decision support systems, such as CREInsight, are used for the development of these reports.


• Loan Examination - Leads the team in the collection of data to support internal and external audits, loan exams, and compliance monitoring. Develops reports that are outside the scope of the examiners and loan reviewers to ensure quality in all lending areas. Works with members of the lending division to gather reports related to the restructuring of troubled debt.

Required Skills:

• Minimum of 10 years of data analytics and/or credit risk experience in the combination of work in consumer, commercial, and mortgage loan areas.


• Advanced level of knowledge/experience in the development of reports using various applications.


• Experience gathering, review and interpreting large amounts of data, identifying any anomalies, and leading research needed to address root cause of any such anomalies.


• Interpersonal skills are needed to interact with members of the other departments, management and other internal clients to resolve questions or problems.

Sandy Spring Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. We maintain a drug-free workplace environment and perform pre-employment substance abuse testing.

Sandy Spring Bank requires COVID-19 vaccination(s) as a condition of employment for all employees. Submission of Covid-19 Vaccination Card is required if hired. Accommodations may be available for those who are unable to be vaccinated for medical or religious reasons.

If you require a reasonable accommodation to apply for a position, please call our job line at 1-800-399-5919 and select option 5. Requests are considered on a case-by-case basis.