Credit Analyst

OVERVIEW

Join Us at a Defining Moment

Patriot Bank is in the middle of one of the most exciting chapters in its history — a large-scale bank turnaround with a focused, ground-up transformation of how we manage credit, data, and risk. We continue to rebuild our credit function around modern technology, automation, and analytics, and we are looking for a sharp, ambitious Credit Analyst to help lead that effort from day one.

This is not a seat where you will quietly maintain someone else’s spreadsheets. You will build the systems, dashboards, and models that define how a bank understands its own portfolio — with direct visibility to executive management and a Chief Credit Officer personally invested in your growth.

If you want to point to real things you built, learn faster than your peers, and be part of a genuine turnaround story, this is the role.

Why This Role Is Different

• Build, don’t just report. You will architect automated reporting and a daily “Portfolio Health” dashboard from the ground up — not inherit a legacy process.
• A tech-forward credit culture. We embrace Python, SQL, AI, and modern data science to do credit better. One of our mantras is Always Be Improving.
• Executive visibility from day one. Your analysis will directly inform the Chief Credit Officer’s monthly reporting and senior-management decision-making.
• Career acceleration. A pivotal, high-trust environment where strong performers take on responsibility quickly and see the impact of their work across the entire institution.

About the Role

We are seeking a highly motivated and analytical early-career Credit Analyst to join our Credit Administration team. It is an ideal launchpad for a recent graduate with strong technical, analytical, and communication skills who wants to build a career in banking and credit while doing genuinely modern, high-impact work.

You will lead in-depth analysis and reporting on the Bank’s loan portfolio and play a key role in monthly credit reporting, credit policy development, and strategic decision-making. The position carries a strong focus on programming, automation, and data science — extracting, transforming, and analyzing data from the Bank’s core system (Fiserv) to produce automated, actionable reporting that directly supports executive decision-making. A signature early project: standing up a daily “Portfolio Health” dashboard of key credit metrics and trends, alongside advanced models to forecast and monitor credit performance.

ESSENTIAL DUTIES AND RESPONSIBILITES include the following:

Automate Data Extraction & Transformation

• Analyze, segment, and report on loan portfolio performance using data extracted from the Bank’s core system.
• Develop automated data-extraction processes from core systems to support recurring and ad-hoc reporting, including the Chief Credit Officer’s monthly report. You will use Python scripts to automate the process.
• Build expert-level command of the Bank’s loan data architecture and core-system reporting tools.

Perform Advanced Credit Risk & Statistical Analysis

• Maintain and enhance a daily “Portfolio Health” dashboard summarizing key metrics and trends— delinquencies, non-accruals, risk-rating migrations, portfolio concentrations, Annual Review / Tickler completion rates, line-utilization rates, and new loan activity.
• Develop tools — including AI-assisted methods — to safeguard data integrity across portfolio reports and core systems.

Build Predictive Models

• Develop models that strengthen the Bank’s early-warning and portfolio-monitoring capabilities.
• Apply data-science techniques — static pool analysis, cohort modeling, regression, and other statistical methods — to identify trends and forecast credit performance.
• Integrate the CoStar portfolio-management platform and Abrigo underwriting tools to automate trend notifications to senior management.

Visualize & Communicate Portfolio Insights

• Create clear, actionable visualizations and dashboards that bring portfolio metrics and trends to life.
• Draft high-quality memos and documentation supporting credit policy, underwriting guidelines, and regulatory reporting.
• Help build an AI-driven credit-policy system that links policies and concentration limits into a single source of truth, with automated update suggestions based on regulatory directives.
• Conduct targeted research to support portfolio assessments, policy development, and regulatory analysis — resourcefully and quickly.

SUPERVISORY RESPONSIBILITIES

This job does not have managerial responsibilities.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

• Bachelor’s degree in Finance, Economics, Data Science, Computer Science, a physical or biological science, or a related field.
• Superior proficiency in Microsoft Excel (including macros and pivot tables), Python, R, and automated SQL data extraction.
• Strong proficiency across Microsoft 365 (Word, Outlook, PowerPoint, Teams, SharePoint, OneNote, and related tools).
• Experience with Python coding and data-science libraries (e.g., pandas).
• Demonstrated ability to automate reporting and data extraction.
• Experience with — or strong interest in — data-science techniques including statistical modeling, static pool analysis, regression, and trend analysis.
• Excellent written and verbal communication skills.
• Strong research and problem-solving skills with a resourceful, independent approach.
• Eagerness to learn and adapt in a fast-paced, highly regulated environment.
• Genuine drive and self-motivation — you take pride in delivering excellent work on short turnaround times.

OTHER QUALIFICATIONS

• Clear and effective communicator 
• Collaborative team player 
• Detail-driven with a high level of accuracy

PREFERRED / PLUS QUALIFIACATIONS

• Exposure to banking, credit analysis, mortgage lending, or financial services through internships or coursework.
• Familiarity with core banking systems, especially Fiserv.
• Experience designing automated portfolio-monitoring tools or dashboards.

WHAT WE OFFER

• A rare chance to build a modern credit-analytics function from the ground up at a pivotal moment for the Bank.
• Direct mentorship from, and visibility to, executive management and the Chief Credit Officer.
• A collaborative, tech-forward culture that rewards initiative and fresh ideas.
• Competitive compensation and a comprehensive benefits package.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job.

Reasonable accommodations may be made to enable Individuals with disabilities to perform the essential functions. 

Travel: Travel to client offices, prospects, branches, and industry events.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision and ability to adjust focus.

WORK ENVIRONMENT

While performing the duties of this Job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.

EQUAL EMPLOYMENT OPPORTUNITY

Patriot Bank is an Equal Opportunity Employer and does not discriminate based on race, color, religion, sex, gender identity or expression, sexual orientation, national origin, ancestry, age, disability, medical condition, genetic information, marital status, veteran status, or any other protected status under federal, state, or local law.

This job description indicates the general nature and level of work expected of the incumbent. It is not designed to cover or contain a comprehensive list of activities, duties or responsibilities required of the incumbent. Incumbents may be asked to perform other duties as required.