Credit Risk Rating Analyst

Credit Risk Rating Analyst

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8214 Westchester Dr, Dallas, TX 75225, USA

Req #182

Thursday, June 27, 2024

Job Summary :

The Credit Risk Rating Program Analyst will assist in deploying the bank's scorecard risk rating program. The ideal candidate will have a background in commercial loan underwriting and a demonstrated interest in data analysis and coding.

Position represents a unique opportunity to learn all facets of banking including loan structuring, underwriting, onboarding, data collection, analysis, and reporting.

The ideal candidate will possess an intellectual curiosity to learn more about the bank's loan products and use that knowledge to uncover trends and data anomalies.

This position will report directly to the Credit Risk Rating Program Manager and will involve learning new technologies, gaining a deep knowledge of commercial lending risk, and crafting impactful visualizations to help monitor the bank's credit risk.

Responsibilities and Duties :

• Assist Credit Risk Rating Program Manager with implementation of risk rating scorecards for all commercial loans.
• Analyze and visualize risk rating data with BI tools such as Excel, Power BI, or Tableau.
• Documentation of scorecard methodologies and meetings.
• Assist front line analysts and underwriters in completing credit scorecards.
• Help create data infrastructure via SQL Server and / or Snowflake.
• Create visualizations, reports, and dashboards to help management understand changes in portfolio risk.
• Follows bank policy, procedures, and guidelines.
• Performs other duties as may be required.

Job Skills and Qualifications :

• Bachelor's degree or equivalent work experience.
• 5+ years professional experience; 2+ years as a commercial underwriter, preferred.
• Understanding of commercial loan underwriting and analysis.
• Demonstrated interest in data analysis and coding (SQL preferred), which can be established through verbal knowledge or an online certificate (i.

e. Google Data Analytics Certification, Tableau Certification, IBM Data Analyst Certificate, etc.).

• Working knowledge of bank regulations.
• Ability to communicate with internal parties to assist in completing credit scorecards and explain underlying logic.
• Strong experience with Excel and Word required. Knowledge of SQL Server Management Studio, Tableau or Power BI preferred.
• Excellent written communication and organizational skills to ensure regulatory compliance.

Company Overview :

Truth in Texas Banking. That's what we're about. Founded in 2010, we are one of the ten largest banks headquartered in the state of Texas.

We became a publicly traded company in 2014 and in 2020 and 2021 we were listed on Fortune's 100 Fastest Growing Companies.

Headquartered in Dallas, Texas, we've built a bank forever rooted in truth, transparency, and uncompromising integrity.

We know our strongest asset is the passion, authenticity, and talent of our people. We focus on the growth and development of each team member to unlock potential to "Be Your True Self.

Our "True You" culture is made up of five pillars :

• Be Mindful
• Be Healthy
• Be Better
• Be Prosperous
• Be Faithful

With this as our foundation, we've built a bank of people who are transparent, tell the truth, and act with integrity. We unite together in common purpose - caring deeply for our clients and communities, communicating openly with each other, and treating everyone with respect.

Visit our website at www.VeritexBank.com and come see how we're bringing truth and transparency to Texas banking.

Work environment and Physical demands : The employee may occasionally lift and / or move up to 25 pounds. The employee may occasionally stand, walk, reach, climb, balance, stoop, kneel, crouch, or crawl.

The work environment and physical demands are those of a standard office setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Disclaimer : This job description is not an inclusive list of all duties and responsibilities of the position. Incumbents will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments.

Veritex Bank reserves the right to amend and change responsibilities to meet business and organizational needs.

This document does not create an employment contract, implied or otherwise, other than an "at will" relationship. Veritex Community Bank is an equal opportunity employer.

Veritex Community Bank Corporate Human Resources, Dallas, Texas.

We are committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of race, color, religion, creed, national origin or ancestry, sex, age, physical or mental disability, veteran or military status, genetic information, sexual orientation, marital status, or any other legally recognized protected basis under federal, state or local laws, regulations or ordinances.

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