Credit Data Analyst

Texas Heritage National Bank; Dallas (TX); On-site; USD 70,000 - 110,000; Full time

Job summary

Texas Heritage National Bank is seeking a Credit Data Analyst to assess risk in the loan portfolio, set credit limits, and assist the CCO with monthly loss allowances and regulatory documentation.

The role emphasizes quantitative analysis, financial modelling, and preparing Board reports. Candidates should have 3–5 years of credit analysis experience, a finance-related bachelor’s degree, and strong skills in Excel, Power BI, SQL, and Tableau.

Qualifications

• Bachelor's degree in finance, accounting, economics or related field; CFA preferred.
• 3–5 years in credit analysis or related field; banking experience preferred.
• Strong analytical and qualitative analysis abilities; familiarity with financial ratios.
• Proficient in Excel, Power BI, SQL, and Tableau; strong communication skills.

Responsibilities

• Perform ratio analysis to evaluate portfolio health and trends.
• Assist CCO in analyzing concentrations; prepare written analyses.
• Develop and maintain financial models to support risk assessment.
• Prepare detailed reports with findings and recommendations.
• Produce monthly Board reports within tight timeframes.
• Ensure compliance with bank policies and regulatory requirements.
• Support audits and policy reviews; maintain accurate files and records.
• Generate regular reports on credit portfolio performance and risk exposure.
• Collaborate with senior management, risk managers, and legal teams.
• Stay informed on economic trends to inform risk assessments.

Skills

Analytical skills

Communication

Quantitative analysis

Advanced analytics

Education

Bachelor's degree in finance/ economics/ accounting

Tools

Excel

Power BI

SQL

Tableau

Job description

The Credit Data Analyst role is critical in helping the organization assess risk, set credit limits, and ensure compliance with lending protocols. The Credit Data Analyst is responsible for analyzing characteristics of the Bank’s loan portfolio and assists the Chief Credit Officer (CCO) in monitoring the health of the loan portfolio. The Analyst will also assist the CCO in calculating the bank’s Allowance for Credit Losses monthly, and prepare the documentation used in making the calculation. Additionally, the Analyst will be responsible for preparing all the Credit department Board reports for the monthly Board of Directors meetings. This role involves analyzing the portfolio through Microsoft Excel pivot tables, V‑Lookup, and other data analytic tools.

Key Responsibilities

• Perform ratio analysis and other quantitative assessments to evaluate portfolio health and underlying trends within the portfolio.
• Assist the CCO in analyzing concentrations and prepare written analysis on concentrations within the portfolio.
• Develop and maintain financial models and spreadsheets to support risk assessment.
• Prepare detailed reports summarizing findings and recommendations for loan portfolio.
• Responsible for preparing monthly Board reports in a timely manner, under tight timeframes.
• Ensure compliance with bank policies, procedures, and regulatory requirements.
• Assist in audits and policy reviews.
• Maintain accurate and up‑to‑date files and records.
• Prepare regular reports on credit portfolio performance and risk exposure.
• Work with senior management, risk managers, and legal teams to make informed analysis and decisions.
• Stay updated on economic trends and credit market conditions to inform risk assessments.
• Protect the bank from unnecessary risk by adhering to bank procedures and confidentiality guidelines, including currency transaction reports, suspicious activity reports, Regulation CC holds and documentation, robbery procedures, and more.
• Adhere to internal controls, operational procedures, and risk management policies, including security protocols for robbery, fraud, opening/closing processes, cash controls, and teller procedures.
• Ensure compliance with all bank policies and procedures, as well as applicable state and federal banking regulations.
• Perform other duties and responsibilities as assigned.

Requirements

• Education:
  • Bachelor’s degree in finance, accounting, economics, or a related field. Advanced degree or professional certification (e.g., CFA) preferred.
• Experience:
  • Minimum of 3-5 years of experience in credit analysis or a related field.
  • Experience in the banking or financial services industry preferred.
• Skills:
  • Analytical Skills: Strong quantitative and qualitative analysis abilities; experience with financial ratios and risk assessment.
  • Proficient in advanced analytics using programs such as Microsoft Excel, Power BI, SQL and/or Tableau.
  • Proficient in financial software and Microsoft Office Suite.
  • Strong communication and interpersonal skills.
• Soft Skills:
  • Attention to detail, problem‑solving, communication, and teamwork.
• Perform other duties and responsibilities as assigned.