Credit Risk Data Analyst

City National Bank; Torch of Friendship (FL); Hybrid; USD 90,000 - 130,000; Full time

Job summary

City National Bank is seeking a Credit Risk Data Analyst to support risk management through data analysis, dashboard development, and regulatory reporting collaboration. The role emphasizes collaboration with Risk, Finance, ERM, Compliance, and Technology teams to strengthen risk insights and governance.

The candidate should have 5–7 years in credit risk analysis, strong SQL/Excel skills, and experience with BI tools.

Qualifications

• 5-7 years in credit risk analysis or data analytics in banking.
• 2-4 years with loan portfolio data and risk concepts (PD, LGD, EAD).
• Experience with regulatory reporting or risk management frameworks.
• Familiarity with banking regulations and governance standards.
• Progress toward/ completion of FRM/CFA/PRM is beneficial.
• Strong SQL and Excel to evaluate complex risk data.
• BI tools (Qlik/Power BI/Tableau) for insights.
• Experience with Python/R/SAS for analytics.

Responsibilities

• Evaluate loan portfolios to identify credit risk trends and concentrations.
• Support risk assessments by applying judgment to underwriting practices and metrics.
• Conduct stress testing and scenario analyses for portfolio risk.
• Develop and monitor credit risk metrics and early warning indicators.
• Build analytical dashboards using SQL, Python, Qlik, or similar tools.
• Validate data accuracy, completeness, and consistency in reporting.
• Communicate insights to senior management and risk committees.
• Support data governance and data quality initiatives.
• Collaborate with Credit Risk, Finance, ERM, Compliance, and Tech teams.

Skills

SQL

Excel

Python

Data analysis

Communication

Risk assessment

Attention to detail

Education

Bachelor's Degree in Finance, Economics, Statistics, Mathematics, Data Analytics, or related field

Equivalent combination of education and/or relevant professional experience

Tools

Qlik

Power BI

Tableau

SAS

Job description

Job Details

Job ID: 2026-6248

Category: Risk Administration

Type: Full-Time

Workplace policy: Hybrid

Overview

The Credit Risk Data Analyst is responsible for performing analytical work that supports the bank's credit risk management activities. The role evaluates credit risk data, enhances portfolio insights, and supports decisionmaking through established analytical methods and reporting frameworks. This position collaborates with internal partners to ensure data accuracy, strengthen risk reporting processes, and maintain alignment with internal standards and regulatory expectations. The work involves the use of judgment and analytical expertise within defined policies.

What You'll Do:

• Evaluates loan portfolios to identify credit risk trends, concentrations, and emerging risk themes across products, industries, and geographies.
• Supports credit risk assessments by applying judgment to underwriting practices, portfolio performance indicators, and risk rating consistency.
• Conducts stresstesting and scenariobased evaluations to inform portfolio risk outcomes under varying economic conditions.
• Contributes to the development and monitoring of key credit risk metrics and earlywarning indicators.
• Develops and maintains analytical dashboards and reporting tools using SQL, Python, Qlik, or similar platforms to strengthen insight generation.
• Validates the accuracy, completeness, and consistency of data used in credit risk reporting.
• Interprets analytical findings and communicates insights to senior management and risk committees.
• Responds to analytical inquiries involving credit exposure, portfolio behavior, and performance dynamics within established guidelines.
• Supports datagovernance activities by reinforcing dataquality standards and appropriate controls.
• Identifies dataquality gaps and partners with data engineering and technology teams to resolve issues within established processes.
• Maintains documentation related to data sources, analytical assumptions, methodologies, and reporting frameworks.
• Prepares analytical materials and supporting documentation for regulatory exams, audits, and internal reviews.
• Ensures credit risk analytics and reporting adhere to internal governance standards and regulatory expectations.
• Supports Enterprise Risk Management efforts relating to model outputs, portfolio analytics, and enterpriselevel reporting.
• Collaborates with Credit Risk, Finance, ERM, Compliance, and Technology teams to advance crossfunctional risk initiatives.
• Participates in continuousimprovement efforts to enhance the effectiveness and clarity of credit risk analytics and reporting processes.
• Leverages approved AI and automation tools to improve productivity, quality, and decision-making while maintaining appropriate human oversight, regulatory compliance, data privacy, and risk management standards.
• Demonstrates adaptability to emerging technologies and contributes to continuous process improvement through responsible AI adoption.

Qualifications

• 5-7 years of experience in credit risk analysis, data analytics, or a related role within banking or financial services.
• 2-4 years experience working with loan portfolio data and credit risk concepts (PD, LGD, EAD, risk ratings, stress testing)
• Experience contributing to regulatory reporting or riskmanagement frameworks in a financialservices environment.
• Familiarity with banking regulations, creditrisk concepts, and governance standards supporting risk oversight.
• Progress toward or completion of professional certifications such as FRM, CFA, or PRM is considered beneficial.
• Strong analytical capability with demonstrated experience applying SQL and Excel to evaluate and interpret complex risk data.
• Proficiency with data visualization and business intelligence tools such as Qlik, Power BI, or Tableau to support insight generation and decisionmaking.
• Working knowledge of statistical or programming languages such as Python, R, or SAS for developing analytical outputs.
• Ability to work with large datasets, applying judgment to data validation, reconciliation, and interpretation within established policies and frameworks.
• Strong written and verbal communication skills with the ability to convey analytical findings to nontechnical audiences in a clear, structured manner.
• High level of attention to detail and the ability to apply critical thinking when reviewing data, analytical results, or risk indicators.
• Leverages approved AI and automation tools to improve productivity, quality, and decision-making while maintaining appropriate human oversight, regulatory compliance, data privacy, and risk management standards.
• Demonstrates adaptability to emerging technologies and contributes to continuous process improvement through responsible AI adoption.

Education

• Bachelor's Degree in Finance, Economics, Statistics, Mathematics, Data Analytics, or a related field.
• An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.

Special Instructions to Candidates

Equal Opportunity

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.

Interview Guidelines

To ensure a fair interview process, the use of AI-enabled devices (e.g., AI glasses or similar technology) is not permitted during interviews.

Accommodations

If you require a reasonable accommodation to apply or participate in the hiring process, please contact our Talent Attraction team at [e-mail]