Senior Credit Risk Analyst - Banking

First National Bank Texas is seeking a Senior Portfolio Risk Analyst to help protect and grow its consumer and commercial lending portfolios. Analyze loan performance, borrower and industry trends, concentrations, and emerging credit risks. Build reports and forecasts, identify portfolio vulnerabilities, and recommend practical mitigation strategies. Partner with lending, finance, and compliance teams to strengthen controls and support informed underwriting and portfolio decisions. The ideal candidate brings at least five years of banking, credit risk, or portfolio analytics experience, strong quantitative skills, and proficiency in Excel and data tools such as SQL. Join a community-focused bank that values integrity, teamwork, professional development, and long-term career growth.

Responsibilities

• Analyze commercial and consumer loan portfolios to identify credit, concentration, and emerging risks.
• Monitor portfolio performance, delinquencies, loss trends, and risk indicators.
• Develop and maintain risk reports, dashboards, and forecasts for management.
• Assess borrower, industry, and market data to support underwriting and portfolio decisions.
• Recommend strategies to mitigate risk while supporting responsible growth.
• Partner with lending, finance, and compliance teams to strengthen risk controls.

Required Skills

• Credit risk analysis
• Loan portfolio monitoring
• Financial modeling
• Credit and lending analytics
• Risk reporting and dashboard development
• Data analysis and forecasting
• Excel
• SQLPortfolio concentration analysis
• Regulatory and credit policy knowledge