Summary:

Supports the Credit Administration and Executive Management teams through comprehensive financial analytics, risk assessment, and credit-related reporting. This role is critical in ensuring the bank maintains regulatory and operational excellence through proactive management of credit risk, allowance reserves, board reporting, and technology-driven analysis and review. This position partners closely with Lending, Credit, Risk, and Finance teams to support sound credit decisions, policy governance, and portfolio performance monitoring.

Duties:

• Prepare and maintain the Current Expected Credit Loss (CECL) and Allowance for Credit Losses (ACL) models using Abrigo.
• Maintain and update the Loan Policy and related credit administration procedures in collaboration with executive leadership.
• Develop and enhance reporting and dashboards using Business Analytics and Abrigo platforms, ensuring actionable insights for executive and board-level decisions.
• Prepare regulatory filings and supporting documentation for Call Reports.
• Conduct sensitivity and stress testing across the loan portfolio to identify emerging risks and inform strategic decisions.
• Build and maintain the bank’s credit memo templates in Abrigo, ensuring consistency and compliance with underwriting standards.
• Manage special asset portfolio including workout strategies and collection coordination with relationship managers and legal counsel as needed.
• Compile and present board reporting on concentrations, asset quality, loan growth trends, delinquencies, charge-offs, and other credit administration metrics.
• Assist in the preparation for internal and external audits, loan review findings, and regulatory exams.
• Perform other duties as assigned by senior management.

Knowledge, Skills, and Education Requirements:

Basic Qualifications:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• Minimum 10 years of experience in commercial credit analysis, credit risk, or credit administration within a bank or financial institution.
• Hands-on experience with Abrigo (formerly Sageworks) software, particularly CECL, portfolio analysis, and credit memo modules.
• Strong understanding of CECL/ACL concepts and regulatory guidance.
• Working knowledge of Call Report preparation and relevant bank reporting regulations.
• Demonstrated ability to perform loan review, sensitivity analysis, and data-driven reporting.
• Excellent proficiency in Microsoft Excel; experience with data visualization or business analytics platforms a plus.
• Strong written and verbal communication skills with the ability to present complex information clearly and concisely.

Preferred Skills and Experience:

• Formal credit training and/or risk certification (e.g., RMA, CRC, or equivalent).
• Familiarity with loan policy creation and maintenance.
• Prior experience in workout, collections, or managing criticized assets.
• Knowledge of portfolio management, credit concentrations, and risk grading systems.
• Comfortable working independently in a deadline-driven and accuracy-focused environment.
• Ability to synthesize large volumes of data and distill insights for non-technical stakeholders.
• Experience preparing and delivering board-level reports or presentations.

Physical Demands

The employee will occasionally lift and/or move up to 25 pounds.  The employee will regularly sit; talk; hear; and use hands to finger, handle or feel.  The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl.  Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus.  The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Disclaimer

The above information has been designed to indicate the general nature and level of work performed within this job.  It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to the job. Incumbent must attend work on a regular basis, on time, and withstand varying degrees of stress. This position description describes the minimum selection requirements to qualify for the position. Promotion and other employment decisions are based on employer needs, being in good standing, fully competent performance, and other non-discriminatory subjects.

As of the date shown below, the contents of this job description are intended to describe the general nature and level of work being performed by people assigned to this job. It is not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Further, essential job functions are subject to change based upon business needs.

Gulf Capital Bank is an Equal Opportunity Employer.

Revised: 05/23/2025

About Gulf Capital Bank

REDEFINING THE VALUE OF A BANK - At Gulf Capital Bank, our customers' ambitions are at the center of everything we do. Let's get back to the way banking was always meant to be done. MORE RELATIONSHIPS. MORE GROWTH. MORE YOU. BUILT BY HOUSTONIANS FOR HOUSTONIANS. When you've worked in Houston for decades, you learn a thing or two about what the area's businesses need in a banking partner. We start with the Gulf Capital Bank cornerstones of hard work, straight talk and smart thinking to make your vision a reality. From there, we roll up our sleeves and get to work.

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