Corporate Director of Credit Analytics - Multiple Cities
Make Choteau Home, Billings Metropolitan Area, Montana, United States
Overview
*This position is available out of Billings, Helena, Kalispell, and Missoula, MT About The Role 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. Description Responsibilities
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 due date. Qualifications
About You Education Required/Preferred Education Level and Description (e.g., Bachelor’s Degree in Finance, Economics, Statistics, or related field; Master’s Degree preferred in related fields). Experience 10+ years in credit analytics or risk management within a regional banking environment. 3 years with CECL, ACL methodologies, and regulatory reporting requirements. 5 years with portfolio stress testing and scenario analysis. 5 years with proficiency in data analysis tools (SQL, Python, SAS, Excel). Advanced / Specialized Knowledge of regional banking dynamics and customer segments. Other Qualifications
Equivalent combination of education and experience considered where applicable. Travel: Occasional travel required (less than 10 days per year). Travel & Working Conditions
Work Environment : Indoors, a climate-controlled shared work area. Noise : Moderate; not extreme or excessive. Physical : Sedentary work with occasional lifting up to 10 pounds; extensive sitting typically required. What We Offer
COMPENSATION & BENEFITS:
Starting salary is dependent upon relevant experience and may vary based on geographic location. We offer an extensive benefits package including medical, dental, vision, life insurance, health savings account options, EAP, health rewards, retirement savings plans (401(k) and Profit-Sharing), short and long-term disability, education and training benefits, discounts on banking products and services, and a generous PTO plan with paid holidays. PTO accruals and holiday eligibility vary by position, status, and experience. Some locations may offer state holiday pay where applicable. Visit our website for more details.
Check it out! We are an Equal Opportunity Employer and qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.
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*This position is available out of Billings, Helena, Kalispell, and Missoula, MT About The Role 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. Description Responsibilities
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 due date. Qualifications
About You Education Required/Preferred Education Level and Description (e.g., Bachelor’s Degree in Finance, Economics, Statistics, or related field; Master’s Degree preferred in related fields). Experience 10+ years in credit analytics or risk management within a regional banking environment. 3 years with CECL, ACL methodologies, and regulatory reporting requirements. 5 years with portfolio stress testing and scenario analysis. 5 years with proficiency in data analysis tools (SQL, Python, SAS, Excel). Advanced / Specialized Knowledge of regional banking dynamics and customer segments. Other Qualifications
Equivalent combination of education and experience considered where applicable. Travel: Occasional travel required (less than 10 days per year). Travel & Working Conditions
Work Environment : Indoors, a climate-controlled shared work area. Noise : Moderate; not extreme or excessive. Physical : Sedentary work with occasional lifting up to 10 pounds; extensive sitting typically required. What We Offer
COMPENSATION & BENEFITS:
Starting salary is dependent upon relevant experience and may vary based on geographic location. We offer an extensive benefits package including medical, dental, vision, life insurance, health savings account options, EAP, health rewards, retirement savings plans (401(k) and Profit-Sharing), short and long-term disability, education and training benefits, discounts on banking products and services, and a generous PTO plan with paid holidays. PTO accruals and holiday eligibility vary by position, status, and experience. Some locations may offer state holiday pay where applicable. Visit our website for more details.
Check it out! We are an Equal Opportunity Employer and qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.
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