Corporate Director of Credit Analytics

Summary

The Director of Credit Analytics is a strategic leader responsible for shaping and executing the bank’s credit risk analytics framework. This role plays a pivotal part in ensuring the institution’s financial stability and regulatory compliance by overseeing the development of data‑driven models, Allowance for Credit Loss (ACL) methodologies, and portfolio stress testing processes.

The Director serves as a key liaison with bank regulators, internal audit, and external review teams, ensuring transparency and accuracy in credit risk practices. The position requires strong cross‑functional collaboration with credit, lending, finance, compliance, and IT teams to support safe and profitable growth. The ideal candidate will bring a blend of analytical rigor, business acumen, and leadership to guide the bank’s credit strategy in alignment with regional market dynamics and evolving regulatory expectations.

This is a corporate position that may be located in an available bank division across our nine‑state footprint in AZ, CO, , MT, NV, TX, UT, WA, or WY. The entry rate for this position is $ per year (calculated for Kalispell, MT). All compensation offers are analyzed individually and take into consideration geographic location, years of experience, and educational background.

WA applicants only: $ – $ per year.

• Lead the development and enhancement of credit risk models tailored to the bank’s regional market and customer base.
• Oversee the calculation, documentation, and governance of the Allowance for Credit Loss (ACL), ensuring compliance with CECL and regulatory expectations.
• Manage portfolio stress testing processes, including scenario design, execution, and reporting to senior management and regulators.
• Analyze loan portfolio performance and identify emerging risks across commercial, consumer, and real estate lending.
• Provide actionable insights to support underwriting, loan review, and strategic decision‑making.
• Collaborate with IT and data teams to ensure data integrity and accessibility for credit analytics and reporting.
• Present findings and recommendations to executive leadership and business line oversight.
• Support strategic initiatives such as new product development, market expansion, and M&A due diligence.
• Maintain awareness of regional economic trends and their impact on credit quality.
• Mentor and develop a team of credit portfolio risk analysts and data professionals.
• Engage with bank regulators and support examinations by providing relevant credit analytics and documentation.
• Coordinate with internal audit and external review teams to ensure transparency, accuracy, and compliance in credit risk practices.
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Must complete the assigned online training courses and achieve a passing score by the due date.

• Education:
  
  Bachelor’s Degree in Finance, Economics, Statistics, or a related field (Master’s preferred).
• Experience:
  
  10+ years in credit analytics or risk management within a regional banking environment; 3 years with CECL, ACL methodologies, and regulatory reporting; 5 years with portfolio stress testing and scenario analysis; proficiency in data analysis tools such as SQL, Python, SAS, and Excel.
• Knowledge:
  Familiarity with regional banking dynamics and customer segments.
• Skills & Abilities:
  Balance analytical rigor with practical business judgment; strong leadership and team‑building capabilities; excellent communication and influence skills; trustworthy, credible, calm, professional, and customer‑service oriented; self‑motivated and adaptable to change; reliable attendance and punctuality.
• License/Certification:
  None required.
• Travel:
  Occasional travel required (less than 10 days per year) by automobile, commercial airlines, or rental vehicles.
• Work Schedule:
  
  Indoors, climate‑controlled shared work area; moderate noise; sedentary work with occasional lifting up to 10 pounds.

Occasional travel (less than 10 days…