Credit Data Analyst

Texas-Heritage-National-Bank; Farmers Branch (TX); On-site; USD 65,000 - 95,000; Full time

Job summary

The Credit Data Analyst role at Texas-Heritage-National-Bank in Farmers Branch, TX supports risk assessment, credit limits, and regulatory compliance. The analyst analyzes loan portfolio characteristics, assists the CCO with Allowance for Credit Losses calculations, and prepares monthly Board reports.

Proficiency in Excel pivot tables and lookup functions, along with Power BI, SQL or Tableau, enables precise data analysis and reporting to senior management and risk teams.

Qualifications

• Bachelor’s degree in finance, accounting, economics, or related field; CFA preferred.
• 3–5 years of experience in credit analysis.
• Experience in banking or financial services preferred.
• Strong analytical skills and proficiency with Excel, Power BI, SQL, and Tableau.
• Excellent communication and interpersonal skills.

Responsibilities

• Data analysis to evaluate portfolio health and trends.
• Assist CCO in concentration analyses and risk assessment.
• Develop and maintain financial models to support risk modeling.
• Prepare detailed reports and monthly Board materials.
• Ensure compliance with bank policies and regulatory requirements.
• Collaborate with senior management, risk, and legal teams.
• Monitor market trends to inform risk assessments.

Skills

Data analysis

Risk modeling

Reporting

Collaboration

Market monitoring

Attention to detail

Education

Bachelor's degree

CFA

Tools

Excel

Power BI

SQL

Tableau

Job description

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:

• Data Analysis:
• 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
• Risk Modeling:
• Develop and maintain financial models and spreadsheets to support risk assessment
• Reporting:
• Prepare detailed reports summarizing findings and recommendations for loan portfolio
• Responsible for preparing monthly Board reports in a timely manner, under tight timeframes
• Compliance & Audits:
• 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.
• Collaboration:
• Work with senior management, risk managers, and legal teams to make informed analysis and decisions.
• Market Monitoring:
• 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.
• 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