Risk Analytics Analyst

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.  

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships. 

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO). 

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com. 

Brief Overview of Position

The Analyst role is a part of a cohesive Risk Analytics team under the Chief Risk Officer’s organization. The role requires credit risk analysis, credit rating model development and analytics, credit risk reporting, Allowance for Credit Losses (ACL), and new data science techniques and methodologies to support risk management. The primary purpose of this job is to support the development, implementation, and monitoring the performance of credit rating scorecards, particularly scorecards related to Special Purpose Entities (SPEs)/securitizations, using analytical methods such as Monte Carlo simulation, optimization, regression, and other statistical techniques. This includes design, Python code development, testing and implementation of credit rating scorecard models, performing any ad-hoc analysis to support the overall portfolio and LOB analytics. The role requires collaboration with Credit Administration, Technology, Product LOB, Risk Management, Model Development, Data Management, and Audit.

Responsibilities

• Support credit rating scorecards statistical calibrations and scorecard database, particularly scorecard methodology related to SPEs and securitizations.
• Model documentation, monitoring, and providing support during validation of models.
• Support maintenance of models, credit risk databases, controls, and documentation aligned with data governance standards and regulatory reporting.
• Provide data science and modeling expertise to the projects in designing credit risk strategies and solutions, with strategic implications.
• Partner with risk and lines of business teams to develop analytic solutions, ad-hoc analysis, and modeling to drive new initiatives, improve business processes and deliver value using data-driven decisions.
• Prepare communication materials and technical documentation, including methodology descriptions consistent with regulatory guidance.
• Cross-functional relationships - coordinate with the accounting policy, controller, and finance functions.
• Communication with model validation, internal auditors, external auditors, and external regulators.

Qualifications

• Bachelor’s degree from an accredited college or university with courses in finance, accounting, statistics, computer science, information systems, mathematics, or other quantitative sciences. (Master’s degree preferred).
• Minimum of two (2) years of experience in quantitative analysis/modeling, credit policy, or credit risk management in the financial services industry.
• Proven record of strong work ethics with a commitment to transparency, accountability, and collaborative work.
• Proficiency with SQL, Python, and R and the associated analytics packages.
• Proficiency in MS Office, especially MS Excel, Word, PowerPoint.
• Exposure to Microsoft Azure, Power BI, and Shiny is desirable.
• A demonstrated ability as an independent thinker with strong analytical, problem solving, technical, attention to detail, communication capabilities, and ability to handle multiple projects.
• Understanding of credit risk modeling and data management, database concepts, and data structures.
• Understanding of credit risk management discipline, principles, and regulatory requirements – GAAP, CECL accounting standard, CCAR.
• Ability to collaborate effectively and follow up to ensure achievement of deadlines, outcomes, and results.
• Ability to communicate appropriately and effectively with all organization members and effectively present information verbally and in writing within and across the team.
• Self-motivated and strong interpersonal skills to actively lead and implement ideas in a cross-functional team environment.

The duties listed above are the essential functions, or fundamental duties within the job classification.  The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.