Senior Portfolio Risk Analyst

1stnb; Killeen, Northern (TX, KY); Hybrid; USD 90,000 - 130,000; Full time

Job summary

1stnb seeks an experienced Credit Risk Analyst to develop and maintain portfolio dashboards, monitor concentrations, and run stress testing for ACL/CECL impacts. The role supports executive reporting and governance while applying advanced analytics to identify emerging risks.

You will coordinate risk-rating migrations, manage data quality, and help design AI-enabled workflows for Credit Risk functions. Collaboration and communication are essential.

Qualifications

• Bachelor's degree required in accounting, finance, business or related field.
• Minimum of three years of experience in commercial credit, portfolio management, credit risk, underwriting or related field.
• Demonstrated knowledge of commercial real estate and construction credit risk areas.

Responsibilities

• Develop and maintain portfolio dashboards and analyses to identify risks and data anomalies.
• Monitor concentrations, risk appetite metrics and related mitigation strategies.
• Run stress tests and scenario analyses for ACL, capital, earnings and liquidity.
• Coordinate asset risk-rating migrations and governance reporting.
• Administer ACL/CECL model data, controls and documentation.

Skills

Portfolio analytics

Data reconciliation

Executive communication

Prompts & workflow design

AI governance awareness

Credit risk judgment

Excel advanced

CECL/ACL modeling

Education

Bachelor's degree in Accounting/Finance/Business

Tools

ACL/CECL models

Enterprise credit systems

Job description

Minimum Qualifications and Education Required

• At least 18 years of age
• Bachelor's Degree in Accounting, Finance, Business Management or related field
• Minimum of three (3) years of experience in commercial credit, portfolio management, credit risk, underwriting, or related field
• Demonstrated knowledge of commercial real estate and construction credit, including cash flow, collateral, guarantor support, risk ratings, concentration risk, and refinance risk
• Experience maintaining or executing ACL/CECL models
• Experience creating or administering business workflows, analytics, or automation solutions using enterprise-approved tools
• Advanced Microsoft Office and relevant commercial credit system skills
• Experience or education with AI governance, model risk, information security, or change management preferred
• Experience with regulatory examinations, independent Loan Review, audit remediation, policy governance, model validation or credit data management preferred
• Strong commercial credit judgment and ability to distinguish transaction-level risk from portfolio and systemic risk
• Advanced analytical and data reconciliation skills with the ability to translate findings into executive conclusions
• Ability to translate business requirements into controlled prompts, workflow logic, data requirements, testing plans, monitoring metrics, and user procedures
• Ability to exercise independent judgment, provide credible challenge, and elevate concerns appropriately
• Excellent written and verbal communication, project management, documentation, organization, and follow-through
• High degree of accuracy, integrity, discretion, accountability, and attention to detail
• Must successfully pass background investigation according to company policy
• Must be able to get along with co-workers and work effectively in a team environment

Job Description

Essential/Primary Job Duties

• 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

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