Remote Credit Risk Analytics Specialist

Amerant Bank; Plantation (FL); Hybrid; USD 75,000 - 110,000; Full time

Benefits offered by this job

Hybrid/Remote eligible

Job summary

Amerant Bank is seeking a dedicated Credit Risk professional to lead the Allowance for Credit Losses (ACL) calculations, model validation support, and regulatory reporting. The role emphasizes data accuracy, risk metrics, and cross-functional collaboration across risk, finance, and data teams.

The candidate should bring 3+ years in banking, strong Excel/Dashboard skills, and bilingual English/Spanish capabilities.

Qualifications

• Bachelor’s degree in business administration, finance, economics or related disciplines, or equivalent experience required.
• Minimum of three years of banking experience, ideally in credit risk modeling, and estimating the Allowance for Credit Losses (ACL).
• Strong quantitative, analytical, and problem-solving skills, with the ability to interpret data, identify emerging risk trends, and translate analysis into clear business insights and actionable recommendations.
• Advanced proficiency in Microsoft Excel, including complex formulas, pivot tables, data modeling, Power Query, Power Pivot, dashboard development, and VBA programming.
• Proficiency in Microsoft PowerPoint and Word, with the ability to prepare professional reports, management presentations, and executive summaries.
• Strong financial analysis and financial modeling skills, including the ability to analyze portfolio performance, credit metrics, and loss trends.
• Proficiency in data visualization and reporting techniques, including the development of dashboards, trend analyses, and management reports.
• Excellent written, verbal, and presentation communication skills.
• Fully bilingual in Spanish and English preferred.

Responsibilities

• Calculate the Allowance for Credit Losses (ACL) according to the approved model, requiring data collection from credit units, portfolio data extraction, and model execution.
• Update loss factors (Vintage, LGD, WARM, Prepayment, line utilization and qualitative factors) used in ACL calculations.
• Coordinate the update of borrower’s financial information (DSCR, LTV and Financial Spreads).
• Prepare ACL related reports (BRC presentation, financial reporting disclosures).
• Assist in ACL model development, documentation, implementation, and ongoing performance testing.
• Ensure model documentation is up to date and in accordance with regulatory requirements.
• Maintain ACL procedures manuals in line with current processes.
• Estimate loss provisions forecast for the Bank’s budget.
• Calculate and monitor RAMs and KRIs related to credit risk, asset quality, and portfolio performance.
• Engage with the Enterprise Data Management Office to address data quality, classification and descriptions.

Skills

Quantitative analysis

Data interpretation

Problem-solving

Communication skills

Multitasking

Attention to detail

Team collaboration

Bilingual English/Spanish

Education

Bachelor's degree in business administration/finance/economics

Tools

Microsoft Excel

Power Query

Power Pivot

VBA

PowerPoint

Data visualization

Job description

Amerant Bank is seeking a dedicated Credit Risk professional to lead the Allowance for Credit Losses (ACL) calculations, model validation support, and regulatory reporting. The role emphasizes data accuracy, risk metrics, and cross-functional collaboration across risk, finance, and data teams.

The candidate should bring 3+ years in banking, strong Excel/Dashboard skills, and bilingual English/Spanish capabilities.