Senior Portfolio Risk Analyst

Fhnb; Killeen, Northern (TX, KY); Hybride; USD 90 000 - 130 000; Plein temps

Résumé du poste

FCBI is seeking a Credit Risk professional to develop and maintain portfolio dashboards, monitor risk concentrations, and execute stress testing. You will administer ACL/CECL models, coordinate governance reporting, and design AI-enabled workflows for Credit Risk functions.

The role requires strong analytical skills, advanced MS Office proficiency, and experience with regulatory examinations. Collaboration with teams and precise documentation are essential.

Qualifications

• Bachelor's degree in accounting, finance, business management or related field.
• Minimum of three years of experience in commercial credit, portfolio management or related field.
• Knowledge of commercial real estate and construction credit including risk factors.
• Experience maintaining or executing ACL/CECL models.
• Advanced Microsoft Office and credit system skills.
• Experience with AI governance or model risk preferred.
• Experience with regulatory examinations or audits preferred.
• Strong credit judgment and ability to distinguish transaction from portfolio risk.
• Excellent communication, project management and attention to detail.

Responsabilités

• Develop and maintain portfolio dashboards and analyses to identify risks and data anomalies.
• Monitor concentrations, risk appetite metrics, and mitigation strategies across portfolio segments.
• Perform stress testing and scenario analyses with ACL/CECL implications.
• Coordinate asset governance reporting and risk-rating migrations.
• Administer ACL/CECL model data, controls, and documentation.
• Design and monitor AI agents, analytics, and automated workflows for Credit Risk.
• Produce integrated reporting for CCO and boards.

Connaissances

Credit risk analysis

CECL modeling

Workflow automation

Data reconciliation

Advanced MS Office

AI governance

Regulatory exam experience

Communication

Teamwork

Documentation

Formation

Bachelor's degree in accounting/finance/business

Outils

ACL/CECL software

Credit risk systems

Description du poste

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

Member FDIC, Equal Housing Lender FCBI is an Equal Opportunity Employer We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact us at [phone].

EEO is the Law

ADP Privacy Statement Artificial Intelligence Google Privacy Policy Google Terms of Service