Credit Analyst

OVERVIEW

We are seeking a highly motivated and analytical entry-level Credit Analyst to join our Credit Administration team. This is an ideal opportunity for a recent college graduate with strong technical, analytical, and communication skills to launch their career in banking and credit. The analyst will be responsible for in-depth analysis and reporting on the Bank's loan portfolio and will play a key role in supporting monthly credit reporting, credit policy development, and strategic decision-making.

This position will have a strong focus on leveraging programming, automation, and data science skills to improve reporting efficiency, portfolio oversight, and credit risk analytics. The ideal candidate will be able to extract, manipulate, and analyze data from the Bank's core systems (Fiserv) to create automated, actionable reports that directly support executive management decision-making. The role will also include establishing a daily 'Portfolio Health' dashboard containing key credit metrics and trends, as well as developing advanced analytical models to forecast and monitor credit performance.

ESSENTIAL DUTIES AND RESPONSIBILITES include the following.

Automate Data Extraction & Transformation

• Analyze, segment, and report on loan portfolio performance using data extracted from the Bank's core system (Fiserv).
• Develop automated data extraction processes from the Bank's core systems to support recurring and ad-hoc reporting needs, including the Chief Credit Officer's monthly report.
• Develop expert-level understanding of loan data architecture and core system reporting tools.

Perform Advanced Statistical & Credit Risk Analysis

• Design, implement and maintain a daily 'Portfolio Health' dashboard that summarizes key credit metrics and trends such as delinquencies, non-accruals, risk rating migrations, portfolio concentrations, Annual Review / Tickler completion rates, line utilization rates, and new loan activity.
• Help develop tools to maintain data integrity in portfolio reports and bank core systems, including use of AI.

Build Predictive Models

• Develop models that can enhance the bank's early warning and portfolio monitoring capabilities.
• Apply data science techniques, including static pool analysis, cohort modeling, regression, and other statistical modeling methods, to identify trends and forecast credit performance.
• Link to CoStar portfolio management platform and Abrigo underwriting tools to automate a notification system to report trends to senior management.

Visualize and Report on Portfolio Trends

• Create visualizations and dashboards to present portfolio metrics and trends in a clear and actionable manner.
• Draft high-quality memos and documentation to support credit policies, underwriting guidelines, and regulatory reporting.
• Develop an AI-driven credit policy system to link all of the policies and concentration limits to one central repository. Also include automated suggested updates based on regulatory directives.
• Conduct targeted research to support loan portfolio assessments, policy development, and regulatory analysis, using creative and resourceful methods to obtain accurate information quickly.

SUPERVISORY RESPONSIBILITIES

This job does not have managerial responsibilities.

Requirements

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. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

• Bachelor's degree in Finance, Economics, Computer Science, Physical or Biological sciences, or related field.
• Superior proficiency in Microsoft Excel (including macros and pivot tables) and Python programming.
• Strong proficiency with other Microsoft 365 applications (Word, Outlook, PowerPoint, Teams, SharePoint, OneNote, and related tools).
• Demonstrated ability to automate reporting and data extraction
• Experience or strong interest in data science techniques, including statistical modeling, static pool analysis, regression, and trend analysis.
• Excellent written and verbal communication skills.
• Strong research and problem-solving skills with a resourceful, independent approach.
• Eagerness to learn and adapt in a fast-paced, highly regulated environment.
• Fire in the belly and self-motivated to provide excellent work product with short turnaround times.

OTHER QUALIFICATIONS

• Clear and effective communicator
• Collaborative team player
• Detail-driven with a high level of accuracy

PREFERRED / PLUS QUALIFIACATIONS

• Exposure to banking, credit analysis, mortgage lending or financial services through internships or coursework.
• Familiarity with core banking systems, especially Fiserv, is a plus.
• Experience designing automated portfolio monitoring tools or dashboards.
• Experience using Python data science libraries

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job.

Reasonable accommodations may be made to enable Individuals with disabilities to perform the essential functions.


Travel: Travel to client offices, prospects, branches, and industry events.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision and ability to adjust focus.

WORK ENVIRONMENT

While performing the duties of this Job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.

EQUAL EMPLOYMENT OPPORTUNITY

Patriot Bank is an Equal Opportunity Employer and does not discriminate based on race, color, religion, sex, gender identity or expression, sexual orientation, national origin, ancestry, age, disability, medical condition, genetic information, marital status, veteran status, or any other protected status under federal, state, or local law.

This job description indicates the general nature and level of work expected of the incumbent. It is not designed to cover or contain a comprehensive list of activities, duties or responsibilities required of the incumbent. Incumbents may be asked to perform other duties as required.