• CECL Analyst

    Job Locations US-TX-Dallas
    Req #
    Accounting & Finance
    Location Name
    Dallas, TX - One Victory Park (HTH)
    8:00 - 5:00
    Company Name
  • Job Summary

    The Analyst will assist with the planning and program implementation efforts of the Current Expected Credit Loss (CECL) accounting model across the commercial bank, mortgage, insurance, and broker dealer subsidiaries.  These activities will be coordinated across a number of key resources throughout the organization, including Credit, Accounting, Risk, Treasury, and IT. The position will report to the Director of Quantitative Analytics.

    Essential Functions

    1. Fully understand regulatory requirements associated with CECL
    2. Assist with CECL program design and implementation
    3. Lead CECL training material development efforts for various audiences
    4. Assist with the scenario design and loss forecasting, including prepayment, probability of default, and loss given default modeling, in accordance with CECL requirements for loan and securities portfolios
    5. Assist in the documentation of key decisions and assumptions within loss forecasting,
    6. Ensure the Company’s compliance with US GAAP and Regulatory guidance for estimating the allowance for credit losses
    7. Prepare portfolio level reporting and analyses to allow the executive team to understand key trends in the Company’s loan and securities portfolio
    8. Present analysis, findings, or recommendations of portfolio risks to Senior Management or other department heads
    9. Assist auditors and regulators during examinations of the Company’s credit loss estimation process
    10. Performs other duties and responsibilities as assigned

    Job Requirements

    • Bachelor’s Degree in accounting, finance, business, economics, or related field required. MBA or other quantitative graduate degree a plus
    • Relevant industry certifications such as CPA or CFA preferred but not required.
    • 2-5 years of progressive financial analysis and/or accounting experience required; preferably at a banking institution.
    • Experience working with Moody’s applications (including Risk Calc, CMM, Mortgage Portfolio Analyzer, Credit Cycle, Impairment Studio)
    • Ability to review, manipulate and analyze complex data sets.
    • Demonstrate excellent written and verbal communication and organizational skills.
    • Ability to prioritize and manage multiple tasks successfully, be detail oriented and operate under scheduled deadlines.
    • Proficient with PCs, MS Office (e.g. Word, Excel, PowerPoint), and other business systems.
    • Prior experience with a Big 4 accounting firm helpful.
    • Prior experience on CECL or IFRS 9 implementations helpful.

    About the Company

    Founded in 1998 and headquartered in Dallas, Texas, Hilltop Holdings offers a diverse range of financial services through its four primary subsidiaries, PlainsCapital Bank, PrimeLending, HilltopSecurities, and National Lloyds Corporation. PlainsCapital Bank is a leading commercial bank with locations throughout Texas. PrimeLending is a national mortgage provider focused on purchase mortgage originations. HilltopSecurities provides financial advisory, clearing, retail brokerage, and other investment banking services. National Lloyds Corporation is a niche property and casualty underwriter focused on homeowners insurance for low value dwellings. Hilltop Holdings seeks to build the premier Texas-based diversified financial services holding company through acquisitions and organic growth.  To learn more, please visit www.hilltop-holdings.com.


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