Senior Portfolio Risk Analyst

Job Title

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.

FNBT is an 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.