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Credit Risk Data Science Jobs in Alabama (NOW HIRING)

First Horizon Bank

Senior Credit Analyst

Mobile, AL

Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior ... Familiarity with corporate credit products and the processes used to analyze financial data * Good ...

First Horizon Bank

Senior Credit Analyst

Mobile, AL · On-site

Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior ... Familiarity with corporate credit products and the processes used to analyze financial data * Good ...

First Horizon

Senior Credit Analyst

Mobile, AL · On-site

Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior ... Familiarity with corporate credit products and the processes used to analyze financial data * Good ...

Ataero

Data Analyst

Huntsville, AL · On-site

... risk, trends, and improvement opportunities. * Direct and mentor junior Program/Data Analysts and ... Bachelors degree in Data Science, Operations Research, Statistics, Analytics, or a closely related ...

New

Ataero

Data Analyst

Huntsville, AL · On-site

... risk, trends, and improvement opportunities. * Direct and mentor junior Program/Data Analysts and ... Bachelor's degree in Data Science, Operations Research, Statistics, Analytics, or a closely related ...

New

First South Farm Credit

Senior Loan Officer

Florence, AL · On-site

... data using the five credit factors under the guidelines of differential analysis. * Determines credit risk and makes timely and accurate decisions. * Establishes and renegotiates credit terms, when ...

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Credit Risk Data Science information

How does a credit risk data scientist typically collaborate with other teams within a financial institution?

Credit Risk Data Scientists often work closely with credit analysts, risk managers, and IT professionals to develop, validate, and implement models that assess borrower risk. They frequently participate in cross-functional meetings to translate complex analytical findings into actionable business insights. Collaboration with compliance and regulatory teams is also common to ensure that risk models meet current regulatory standards. Effective communication and teamwork are essential, as the role bridges technical model development and practical risk management decisions.

What is credit risk data science?

Credit Risk Data Science is a specialized field that uses statistical analysis, machine learning, and data modeling techniques to assess and predict the likelihood that a borrower will default on a loan or credit obligation. Professionals in this field analyze large datasets from financial transactions, credit reports, and market trends to develop models that help financial institutions make informed lending decisions. Their work helps manage risk, set appropriate interest rates, and comply with regulatory standards. By leveraging advanced analytics, credit risk data scientists play a crucial role in minimizing losses and maximizing profitability for banks and lenders.

What skills and qualifications are needed to thrive as a credit risk data scientist?

To thrive as a Credit Risk Data Scientist, you need strong analytical skills, proficiency in statistical modeling, and a solid background in finance, mathematics, or a related field, often supported by an advanced degree. Familiarity with programming languages like Python or R, experience with machine learning frameworks, and knowledge of credit risk modeling tools such as SAS or SQL are typically required. Critical thinking, attention to detail, and effective communication are vital soft skills for interpreting data and collaborating with stakeholders. These abilities are crucial for building accurate risk models, informing strategic decisions, and ensuring regulatory compliance in financial institutions.
What are popular job titles related to Credit Risk Data Science jobs in Alabama? For Credit Risk Data Science jobs in Alabama, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in Alabama look for? The top searched job categories for Credit Risk Data Science jobs in Alabama are:
What cities in Alabama are hiring for Credit Risk Data Science jobs? Cities in Alabama with the most Credit Risk Data Science job openings:
Credit Risk Data Science jobs near you
Infographic showing various Credit Risk Data Science job openings in Alabama as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 13% Part Time, and 4% Contract. Highlights an 87% Physical, 3% Hybrid, and 10% Remote job distribution.

Senior Credit Analyst

First Horizon Bank

Mobile, AL

Full-time

Medical, Dental, Vision, Retirement

Posted 25 days ago

First Horizon Bank rating

8.3

Company rating: 8.3 out of 10

Based on 31 frontline employees who took The Breakroom Quiz

39th of 170 rated banks

Job description

Location: On site at location(s) listed on job posting.
Summary
The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment.
Key Responsibilities Include
  • Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans with a focus on Medical Practices, service companies and commercial private client ventures.
  • Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy.
  • Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted.
  • Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system.
  • Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines.
  • Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects.
  • Participate in or lead special projects and assignments and performs other duties assigned.
  • The successful candidate will demonstrate consistently high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals.
  • Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations

Qualifications Include
  • Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience
  • 5 or more years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred
  • Familiarity with corporate credit products and the processes used to analyze financial data
  • Good fundamental understanding of general bank operations and the commercial lending process
  • Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel
  • Experience with Salesforce or nCino applications is a plus
  • Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners
  • Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals

About UsFirst Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com .
Benefit Highlights
• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match
• More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
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