Credit Risk Analyst II

Onsite Requirement: Little Rock, AR (in-office full time)

We areseekinga 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 ofidentifyingand measuring risk by using analytical tools to find anomalies, trends,and gaps in the bank’s dual risk ratingsystem.Your insights will directly influence risk strategy, policy decisions, and process optimization across the organization.

Essential Duties and Responsibilities

• Conduct comprehensive root cause analyses onloandata toidentifydrivers behindchanges in risk profiles,gaps, andanomaliesusing the Bank’sEnterprise Data Warehouseandtools such as SQL,Excel, and/orPython.

• Create and manage dashboardsin Power BItoassistpersonnel 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, andLoan Operations to understandcurrent procedures and chart a new path forwardfor any changes. 

• Transformdata insightsintoactionablerecommendationsusingdata visualizationsandconcise business writing.

• Build repeatableprocedures and data sourceswith ITto ensure consistency of reported figuresand sound governanceprocedures.

• Ensure data quality, lineage understanding, andappropriate model/codedocumentation.

• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations,policiesand 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 Education and/or Experience

• Bachelor’s degree in Analytics, Finance, Economics, Statistics, Mathematics, Data Science, ora related field. 

• 2+years of experience in data analyticswithin the banking or commercial lending space. Will also considerexperience as an underwriter or portfolio managerwith significant exposure toSQL and/or dataanalytics.

• Expertisein SQL;proficiencyin Python, R, or other analytical scripting languages.

• AdvancedproficiencyinExcel, PowerBIand/or Tableau.

• Critical thinkingskillsto break downcomplex andambiguous problems into clear analytical paths.

• Ability to lead modest projects.

• Ability to read, write, andcomprehendsimple instructions, procedures, business correspondence, reports, and memorandums.

• Ability to speak effectively and present information, in one-on-one and small group situations tointernal stakeholders.

Preferred

• Knowledge of default probability models such as Moody’sRiskCalcor CMM.

• Familiarity withFRB guidance, credit policy concepts, or regulatoryframeworks.

• Knowledge of statistical modeling, experimentation, or anomaly detection methods.

WhatWe’reLooking For (Beyond the Resume)

• A natural investigator who enjoys exploring data with the same excitementassolving a puzzle.

• A mindset that blends analytical rigor with creative problem-solvingwho bringsnew ideas,identifieshidden 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 setsby interacting with multiple lending verticals. 

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