The Role
Develops portfolio risk dashboards, stress tests, concentration and risk appetite analyses, and governance reporting for bank leadership and the Board. Administers ACL/CECL models, supports audits and examinations, manages credit policy and exception governance, and coordinates loan review and remediation activities. Designs controlled AI agents, analytics, and automated workflows for credit risk functions while providing independent oversight and executive-level risk analysis.
Summary Generated by Built In
Job Summary & Responsibilities Preferred Qualifications
* 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
*
Physical Requirements:
* Must be able to remain in a sitting stationary position for extended periods of time
* Constantly operate a computer and other office machinery
* Ability to lift up to 25 pounds
* 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
*
Physical Requirements:
* Must be able to remain in a sitting stationary position for extended periods of time
* Constantly operate a computer and other office machinery
* Ability to lift up to 25 pounds
FNBT is and Equal Opportunity Employer
* At least 18 years of age
* Bachelor's Degree in Accounting, Finance, Business Management or related field
* Minimum of three (3) years of Community Banking 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
* 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
* 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
* Bachelor's Degree in Accounting, Finance, Business Management or related field
* Minimum of three (3) years of Community Banking 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
* 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
* 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
Skills Required
- Bachelor's degree in Accounting, Finance, Business Management, or a related field
- At least three years of experience in commercial credit, portfolio management, credit risk, underwriting, or a related field
- 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 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
- Experience or education with AI governance, model risk, information security, or change management
- Experience with regulatory examinations, independent Loan Review, audit remediation, policy governance, model validation, or credit data management
- At least 18 years of age
- Must successfully pass a background investigation according to company policy
- Ability to work effectively in a team environment
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The Company
What We Do
First National Bank Texas (FNBT) and First Convenience Bank (FCB), a division of FNBT, remain dedicated to providing customers with quality financial products and services. Our bank was originally founded in 1901 in the Central Texas town of Killeen, only 19 years after the city was established. From our humble beginnings, we have grown to over $4 billion in assets and operate in over 340 locations in Texas, Arizona, Arkansas, and New Mexico. Our bank has grown in many ways over the years, but our focus and commitment remain the same—providing customers with great banking solutions and world-class service. More than a century ago, we began the tradition of being a great community bank focused on the financial success of our customers. Today, more than 3,200 dedicated banking professionals carry on and maintain that established custom. So much has changed since 1901, but our commitment to putting our customers first has not. As we continue to grow and serve customers, we remain committed to providing a combination of modern banking convenience and old-fashioned service.
