Senior Portfolio Risk Analyst

First National Bank Texas•Killeen, TX

7d•Onsite

About The Position

The Senior Portfolio Risk Analyst will be responsible for developing and maintaining portfolio dashboards and analyses to identify emerging risks, adverse trends, risk layering, and data anomalies. This role involves monitoring credit concentrations, Board-approved limits, risk appetite metrics, and related mitigation strategies across material portfolio segments. The analyst will execute and document portfolio stress testing and scenario analyses, including evaluation of related ACL, capital, earnings, and liquidity implications. Additionally, the position requires coordinating watch list criticized and classified asset, risk-rating migration, and Special Assets governance reporting and escalation. A key responsibility is administering and executing the Bank's ACL/CECL model, encompassing data, assumptions, controls, analysis, documentation, reporting, validation support, and remediation. The role also involves designing, testing, implementing, documenting, and monitoring approved AI agents, analytics, and automated workflows for Credit Risk functions. The Senior Portfolio Risk Analyst will administer credit policy and exception governance and produce integrated, decision-useful reporting for the Chief Credit Officer, management committees, and the Board. Coordination of Loan Review, audit, examination, remediation, credit data, systems, and vendor-risk activities while preserving independent oversight is also required. Regular and predictable attendance and punctuality are essential, along with performing other duties as assigned.

Requirements

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
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

Nice To Haves

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

Responsibilities

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