Credit Risk Analyst II

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.

Essential Duties and 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 visualizations 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.

Qualifications

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Required Education and/or Experience

• 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.

• Critical thinking skills to break down complex and ambiguous problems into clear analytical paths.

• Ability to lead 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.

Preferred

• 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.

What We're Looking For (Beyond the Resume)

• A natural investigator who enjoys exploring data with the same excitement as solving a puzzle.

• A mindset that blends analytical rigor with creative problem-solving who brings new ideas, identifies hidden patterns, and challenges assumptions.

• High intellectual curiosity-constantly asking questions like "Why is this happening?" and "What should happen next?".

• A collaborator who builds strong cross-functional relationships and confidently drives conversations rooted in data.

Why Join Us?

• Influence strategic decisions across credit risk and lending.

• Work on highly visible analyses that shape the company's direction.

• Engage with diverse problem sets by interacting with multiple lending verticals.

• Be part of a team that values curiosity, innovation, and analytical excellence.