JOB SUMMARY

The Data Analyst I is an entry-level role designed for individuals with strong analytical skills and a keen interest in both credit and data analysis. This position plays a vital role in monitoring the Bank’s loan portfolio, identifying trends, and supporting data-driven decision-making across departments. The analyst gathers, organizes, and analyzes financial and operational data to generate reports, create visualizations, and support risk assessment initiatives.
Under the direct supervision and direction of the VP of Credit Risk & Analytics, key responsibilities include determining data requirements, querying databases, producing reports, and contributing to process improvement efforts across the Bank. This role requires close collaboration with cross-functional teams and a solid command of spreadsheets, data management tools, and reporting systems.
In addition to reporting and analytics, the Data Analyst I may support annual loan reviews and renewals. This includes direct communication with clients, evaluating the financial condition and credit quality of individual borrowers through detailed analysis of financial statements, collateral, loan documentation, and guarantor strength. The analyst will calculate and interpret key credit metrics—such as debt service capacity, leverage, liquidity, and collateral coverage—and assess risk ratings in accordance with the Bank’s credit policy and regulatory guidelines.

JOB QUALIFICATIONS

Must be able to perform all the essential duties of the position satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor’s degree in data science, finance, economics, business administration, or a related field.
• Strong communication skills with the ability to present data-driven insights to non-technical stakeholders.
• Understanding of accounting principles, including interest accruals and general ledger activity.

Computer & Software Skills

• Must have foundational computer skills including Microsoft Office Suite (Outlook email and calendaring) and the Internet
• Proficiency in Microsoft Excel, including use of conditional formulas, lookups, array functions, pivot tables, external data imports, and basic VBA macros.
• Experience with SQL for data extraction and manipulation; knowledge of relational databases and query design.
• Familiarity with statistical analysis and object-oriented programming languages.

Travel

• Occasional local travel

Additional Information
Min:$60,000/per year Max:$75,000/per yea

ESSENTIAL JOB DUTIES

The Data Analyst I will contribute to credit and data-driven projects that support the bank’s risk management and strategic goals. Key responsibilities include:

Reporting & Analysis

• Generate, verify, and continuously improve a variety of recurring and ad hoc reports, including Monthly Asset Quality Reports, Market Analysis Reports, Construction Progress Reports, Stress Testing Reports, Loan Funding & Pipeline Reports, and Ad Hoc Reports for department or executive leadership
• Prepare credit-related reports to assist management in risk-related matters.
• Conduct statistical and analytical research on the loan portfolio, including concentration analysis, stress testing, and exception trend identification
• Develop and maintain scalable dashboards to effectively communicate findings to stakeholders.
• Standardize and document best practices for reporting and analytics within the team.

Credit & Loan Review

• Conduct periodic credit reviews for assigned portfolios, particularly Commercial Real Estate loans.
• Analyze borrower and guarantor financial statements, tax returns, and cash flow projections.
• Assess the financial condition, collateral quality, and creditworthiness of individual loans.
• Recommend risk ratings in alignment with internal credit policy and regulatory expectations.
• Review covenant compliance and ensure appropriate follow-up and documentation.
• Prepare credit memos related to loan modifications, problem loans, and REO assets.
• Evaluate the loan portfolio to assess overall credit risk.

Data & Systems Management

• Query large datasets using SQL and build data pipelines using programming languages.
• Create, enhance, and manage reports using IBM Cognos or similar AI/BI tools.
• Contribute to system and process improvement initiatives in collaboration with cross-functional teams.

Cross-Functional Collaboration & Special Projects

• Partner with relationship managers, credit administration, loan servicing, and other internal stakeholders.
• Participate in special projects and targeted risk assessments as directed by department management.
• Complete reviews of complex transactions under time-sensitive deadlines.
• Perform other duties and responsibilities as assigned.

Must be able to perform all the essential duties of the position satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor’s degree in data science, finance, economics, business administration, or a related field.
• Strong communication skills with the ability to present data-driven insights to non-technical stakeholders.
• Understanding of accounting principles, including interest accruals and general ledger activity