Credit Risk Analyst II

Simmons Bank • Little Rock, AR

4d

About The Position

It's fun to work in a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business. We are seeking a highly analytical, intellectually curious Data Analytics professional who thrives on uncovering the “why” behind complex problems. This position plays a key role in the department’s goal of identifying and measuring risk by using analytical tools to find anomalies , trends, and gaps in the bank’s dual risk rating system . Your insights will directly influence risk strategy, policy decisions, and process optimization across the organization.

Requirements

• Bachelor’s degree in Analytics, Finance, Economics, Statistics, Mathematics, Data Science, or a related field .
• 2+ years of experience in data analytics within the banking or commercial lending space .
• Will also consider experience as an underwriter or portfolio manager with significant exposure to SQL and/or data analytics .
• Expertise in SQL; proficiency in Python, R, or other analytical scripting languages.
• Advanced proficiency in Excel, Power BI and/or Tableau .
• Cri ti cal thinking skills to break down complex and ambiguous problems into clear analytical paths.
• Ability to l ead modest projects .
• Ability to read, write, and comprehend simple instructions, procedures, business correspondence, reports, and memorandums.
• Ability to speak effectively and present information, in one-on-one and small group situations to internal stakeholders.

Nice To Haves

• Knowledge of default probability models such as Moody’s RiskCalc or CMM.
• Familiarity with FRB guidance , credit policy concepts, or regulatory frameworks .
• Knowledge of statistical modeling, experimentation, or anomaly detection methods.

Responsibilities

• Conduct comprehensive root cause analyses on loan data to identify drivers behind changes in risk profiles , gaps, and anomalies using the Bank’s Enterprise Data Warehouse and tools such as SQL, Excel, and/or Python.
• Create and manage dashboards in Power BI to assist personnel across the Bank with reporting and portfolio management.
• Perform reconciliations and data validation between the general ledger, source systems, models, and reports to ensure completeness and accuracy.
• Collaborate with stakeholders across Portfolio Management, Underwriting, Loan Review, Bankers, and Loan Operations to understand current procedures and chart a new path forward for any changes .
• Transform data insights into actionable recommendations using data visualization s and concise business writing .
• Build repeatable procedures and data sources with IT to ensure consistency of reported figures and sound governance procedures .
• Ensure data quality, lineage understanding, and appropriate model/ code documentation.
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level