Senior Portfolio Risk Analyst

First National Bank Texas; Killeen (TX); On-site; USD 90,000 - 130,000; Full time

Job summary

First National Bank Texas is seeking a seasoned Credit Risk Analyst to develop and maintain portfolio dashboards, monitor concentrations, and identify emerging risks across major loan portfolios.

You will administer ACL/CECL models, run stress tests, oversee governance reporting, and coordinate risk reviews with audits and vendor risk teams, delivering decision-useful reporting to the Chief Credit Officer and boards.

Qualifications

• Experience building dashboards and analytics for credit risk management.
• Familiarity with risk metrics, concentrations and risk appetite.
• Experience with stress testing and scenario analysis.
• Knowledge of ACL/CECL framework and governance reporting.
• Ability to design AI analytics and risk automation workflows.
• Strong reporting for senior leadership and risk committees.
• Experience coordinating loan review, audits, and vendor risk activities.

Responsibilities

• Develop and maintain portfolio dashboards to identify risks and data anomalies.
• Monitor concentrations, limits, risk appetite metrics and mitigation strategies.
• Execute stress testing and scenario analyses and evaluate implications for ACL, capital and liquidity.
• Coordinate watch list and risk-rating governance reporting and escalation.
• Administer ACL/CECL model data, controls, and documentation.
• Design, test, implement and monitor AI analytics and automated workflows for Credit Risk.
• Provide integrated reporting for the Chief Credit Officer and risk committees.
• Coordinate loan review, audits, remediation and vendor risk activities.
• Maintain regular attendance and perform other duties as assigned.

Skills

Portfolio dashboards

Credit risk

Data analysis

Stress testing

ACL/CECL

AI analytics

Governance reporting

Policy governance

Vendor risk

Job description

Job Description * Develop and maintain portfolio dashboards and analyses to identify emerging risks, adverse trends, risk layering, and data anomalies

• Monitor credit concentrations, Board-approved limits, risk appetite metrics, and related mitigation strategies across material portfolio segments.
• Execute and document portfolio stress testing and scenario analyses, including evaluation of related ACL, capital, earnings, and liquidity implications.
• Coordinate watch list criticized and classified asset, risk-rating migration, and Special Assets governance reporting and escalation.
• Administer and execute the Bank's ACL/CECL model, including data, assumptions, controls, analysis, documentation, reporting, validation support, and remediation.
• Design, test, implement, document, and monitor approved AI agents, analytics, and automated workflows for Credit Risk functions.
• Administer credit policy and exception governance and produce integrated, decision-useful reporting for the Chief Credit Officer, management committees, and Board.
• Coordinate Loan Review, audit, examination, remediation, credit data, systems, and vendor-risk activities while preserving independent oversight.
• Regular and predictable attendance and punctuality
• Other duties as assigned

Physical Requirements

• Must be able to remain in a sitting stationary position for extended periods of time
• Constantly operate a computer and other office machinery
• Ability to lift up to 25 pounds FNBT is and Equal Opportunity Employer