Senior Credit Risk Analytics & ACL Specialist (Hybrid/Remote)

Amerant Bank; Coral Gables (FL); Hybrid; USD 85,000 - 110,000; Full time

Job summary

Amerant Bank in Coral Gables, FL is seeking a Credit Risk Analyst to calculate the Allowance for Credit Losses (ACL) and support related risk reporting. The role involves aggregating portfolio data, running impairment models, and reconciling results with general ledger.

You will update loss factors, coordinate borrower financial information, and prepare ACL-related disclosures and management reports. Hybrid/remote eligibility applies, with focus on accuracy and regulatory compliance.

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 ACL estimation.
• Strong quantitative, analytical and problem-solving skills with ability to translate analysis into actionable recommendations.

Responsibilities

• Calculate the ACL per approved model by compiling data from credit units and bank systems, run models in Impairment Studio, and reconcile to GL.
• Update loss factors (Vintage, LGD, WARM, Prepayments, line utilization and qualitative factors).
• Coordinate updating borrower financial information (DSCR, LTV, Financial Spreads).
• Prepare ACL reports (BRC presentations and financial disclosures).
• Assist ACL model development, documentation, implementation and performance testing.

Skills

Quantitative

Excel

PowerPoint

Financial modeling

Data visualization

Attention to detail

Communication skills

Multitasking under pressure

Interpersonal skills

Bilingual Spanish/English

Education

Bachelor’s degree in business administration, finance, economics or related disciplines

Tools

Power Query

Power Pivot

VBA

Dashboard development

Job description

Amerant Bank in Coral Gables, FL is seeking a Credit Risk Analyst to calculate the Allowance for Credit Losses (ACL) and support related risk reporting. The role involves aggregating portfolio data, running impairment models, and reconciling results with general ledger.

You will update loss factors, coordinate borrower financial information, and prepare ACL-related disclosures and management reports. Hybrid/remote eligibility applies, with focus on accuracy and regulatory compliance.