Job Description

Hilltop Holdings is looking for a Senior Counterparty Risk Analyst to provide advanced analytical support, oversight, and subject‑matter expertise within the Hilltop Holdings’ Counterparty Risk Management program. This role is responsible for independently evaluating the financial strength, creditworthiness, and risk profile of financial counterparties and key vendors; coordinating workflow across the counterparty review process; mentoring junior analysts; and delivering high‑quality analyses and presentations to senior management and governance committees.

The Senior Analyst serves as a key contributor to risk decision‑making, providing informed recommendations on risk ratings, exposure limits, product eligibility, emerging risks, and industry trends.

Advanced Counterparty Financial Analysis

• Independently perform financial and risk analyses of banks, broker‑dealers, asset managers, insurers, municipalities, and other financial counterparties.
• Lead CAMEL‑based assessments, including capital adequacy, asset quality, management capability, earnings stability, and liquidity.
• Evaluate audited financial statements, regulatory filings, rating‑agency research, and internal or external reports to identify key risks, vulnerabilities, and mitigants.
• Develop and deliver recommendations on counterparty risk ratings, exposure limits, and product eligibility.

Vendor Financial Evaluations

• Lead or oversee financial assessments of key vendors as required by corporate policies, ensuring timely, consistent, and high‑quality evaluations.

Market‑Data Monitoring & Research

• Oversee development and use of monitoring tools using Bloomberg, S&P, or similar platforms to track market indicators such as equity performance, CDS spreads, bond spreads, rating changes, and regulatory actions.
• Identify emerging risks at the counterparty, sector, and macro levels and escalate issues to management with actionable insights.

Governance & Reporting

• Prepare and present analyses to management committees and executive audiences, including counterparty approvals, industry updates, emerging‑risk briefings, and ad‑hoc research projects.
• Produce clear, concise, and accurate written reports and presentations for senior leadership, risk committees, and regulatory exams as needed.

Oversight, Workflow Management & Mentorship

• Provide day‑to‑day oversight, coaching, and mentoring to junior analysts, including review of their analyses, feedback on risk assessments, and skill development.
• Coordinate workflow with the manager and junior analyst to ensure timely completion of counterparty reviews, renewals, new requests, and monitoring updates.
• Perform quality control on analytical work products, ensuring adherence to methodology, policy, and documentation standards.
• Recommend and implement process improvements, methodology enhancements, or automation efforts related to data, reporting, or analysis frameworks.

Collaboration & Research

• Serve as a senior liaison across business units and other key stakeholders involved in counterparty monitoring, approvals, and ongoing risk management.
• Participate in and may lead special projects, regulatory remediation efforts, or risk‑management initiatives.
• Perform other duties and special projects as assigned.

• Bachelor’s degree in finance, accounting, economics, business, engineering, mathematics, or other analytical disciplines.
• 3+ years of experience in counterparty credit risk, financial institution analysis, capital markets credit, corporate credit, or related credit‑risk functions.
• Demonstrated expertise interpreting financial statements and performing advanced ratio and trend analysis.
• Strong knowledge of capital‑markets products and financial‑institution risk drivers.
• Excellent communication skills, including the ability to present complex topics to senior management.
• Advanced proficiency in Microsoft Excel, PowerPoint, and Word.
• Strong organizational skills, attention to detail, and ability to manage multiple priorities in a time‑sensitive environment.
• Demonstrated ability to operate with independence, ownership, and sound judgment.

Preferred

• Experience mentoring or supervising junior team members.
• Familiarity with Bloomberg, S&P Capital IQ, or similar market‑data platforms.
• Experience with data visualization or dashboard tools.
• Prior experience presenting to governance committees or regulatory examiners.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required and may be changed at the discretion of the Company.

Founded in 1998 and headquartered in Dallas, Texas, Hilltop Holdings offers a diverse range of financial services through its three primary subsidiaries, PlainsCapital Bank, PrimeLending, and HilltopSecurities. 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. 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.com