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Credit Risk Data Analyst

City National Bank of Florida

Coral Gables, FL · Posted November 5, 2026

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About the job

About Us Think BIG. Achieve More.

At City National Bank of Florida, we invest in our people and the communities we serve. Join a team where ambitious careers and meaningful relationships thrive together. We’re entrepreneurs at heart—growing fast, making an impact, and shaping the future of banking in Florida. To learn more about City National Bank of Florida visit About Us! Overview: The Credit Risk Data Analyst is responsible for performing analytical work that supports the bank's credit risk management activities. The role evaluates credit risk data, enhances portfolio insights, and supports decision‑making through established analytical methods and reporting frameworks. This position collaborates with internal partners to ensure data accuracy, strengthen risk reporting processes, and maintain alignment with internal standards and regulatory expectations. The work involves the use of judgment and analytical expertise within defined policies.

What You'll Do:

Evaluates loan portfolios to identify credit risk trends, concentrations, and emerging risk themes across products, industries, and geographies.

Supports credit risk assessments by applying judgment to underwriting practices, portfolio performance indicators, and risk rating consistency.

Conducts stress‑testing and scenario‑based evaluations to inform portfolio risk outcomes under varying economic conditions.

Contributes to the development and monitoring of key credit risk metrics and early‑warning indicators.

Develops and maintains analytical dashboards and reporting tools using SQL, Python, Qlik, or similar platforms to strengthen insight generation.

Validates the accuracy, completeness, and consistency of data used in credit risk reporting.

Interprets analytical findings and communicates insights to senior management and risk committees.

Responds to analytical inquiries involving credit exposure, portfolio behavior, and performance dynamics within established guidelines.

Supports data‑governance activities by reinforcing data‑quality standards and appropriate controls.

Identifies data‑quality gaps and partners with data engineering and technology teams to resolve issues within established processes.

Maintains documentation related to data sources, analytical assumptions, methodologies, and reporting frameworks.

Prepares analytical materials and supporting documentation for regulatory exams, audits, and internal reviews.

Ensures credit risk analytics and reporting adhere to internal governance standards and regulatory expectations.

Supports Enterprise Risk Management efforts relating to model outputs, portfolio analytics, and enterprise‑level reporting.

Collaborates with Credit Risk, Finance, ERM, Compliance, and Technology teams to advance cross‑functional risk initiatives.

Participates in continuous‑improvement efforts to enhance the effectiveness and clarity of credit risk analytics and reporting processes.

Leverages approved AI and automation tools to improve productivity, quality, and decision-making while maintaining appropriate human oversight, regulatory compliance, data privacy, and risk management standards.

Demonstrates adaptability to emerging technologies and contributes to continuous process improvement through responsible AI adoption.

Qualifications: 5-7 years of experience in credit risk analysis, data analytics, or a related role within banking or financial services.

2-4 years experience working with loan portfolio data and credit risk concepts (PD, LGD, EAD, risk ratings, stress testing)

Experience contributing to regulatory reporting or risk‑management frameworks in a financial‑services environment.

Familiarity with banking regulations, credit‑risk concepts, and governance standards supporting risk oversight.

Progress toward or completion of professional certifications such as FRM, CFA, or PRM is considered beneficial.

Strong analytical capability with demonstrated experience applying SQL and Excel to evaluate and interpret complex risk data.

Proficiency with data visualization and business intelligence tools such as Qlik, Power BI, or Tableau to support insight generation and decision‑making.

Working knowledge of statistical or programming languages such as Python, R, or SAS for developing analytical outputs.

Ability to work with large datasets, applying judgment to data validation, reconciliation, and interpretation within established policies and frameworks.

Strong written and verbal communication skills with the ability to convey analytical findings to non‑technical audiences in a clear, structured manner.

High level of attention to detail and the ability to apply critical thinking when reviewing data, analytical results, or risk indicators.

Leverages approved AI and automation tools to improve productivity, quality, and decision-making while maintaining appropriate human oversight, regulatory compliance, data privacy, and risk management standards.

Demonstrates adaptability to emerging technologies and contributes to continuous process improvement through responsible AI adoption.

Education: Bachelor's Degree in Finance, Economics, Statistics, Mathematics, Data Analytics, or a related field.

An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.

Benefits & Perks

We offer a competitive benefits package designed to support your success:

Health Coverage : Medical, dental, and vision plans with employer contributions.

Retirement Savings : 401(k) with matching.

Paid Time Off & Holidays: Generous PTO and paid holidays.

Wellness Support : Access to mental health and financial wellness resources.

Visit our benefits page to learn mor e Benefits!

Join City National Bank of Florida. The possibilities are endless. Special information to candidates: Equal Opportunity

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.

Interview Guidelines

To ensure a fair interview process, the use of AI-enabled devices (e.g., AI glasses or similar technology) is not permitted during interviews.

Accommodations

If you require a reasonable accommodation to apply or participate in the hiring process, please contact our Talent Attraction team at talent.attraction@citynational.com