Senior Portfolio Risk Analyst - AI-Driven Credit Insights

First Community Bancshares, Inc.; Killeen (TX); Hybride; USD 85 000 - 110 000; Plein temps

Résumé du poste

First Community Bancshares, Inc. in Texas seeks a seasoned Credit Risk Specialist to develop and maintain portfolio dashboards, monitor concentrations, and perform stress testing across material portfolio segments.

The role administers ACL/CECL models, coordinates asset reporting, and designs AI-driven workflows for risk functions, while upholding governance and accuracy in all reporting to the Chief Credit Officer and Board.

Qualifications

• Minimum of three (3) years of experience in commercial credit, portfolio management, credit risk, underwriting, or related field
• 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
• 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

Responsabilités

• 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

Connaissances

Analytical thinking

Written communication

Verbal communication

Project management

Formation

Bachelor's Degree in Accounting, Finance, Business Management or related field

Outils

ACL/CECL models

Microsoft Office

Credit systems

Description du poste

* At least 18 years of age
* Bachelor's Degree in Accounting, Finance, Business Management or related field
* Minimum of three (3) years of Community Banking 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 escalate 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

* 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
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