Credit Analyst

Description

Job Summary

The Credit Analyst supports UFCU’s Lending Team and Credit Council by delivering high-quality, insight-driven analysis across consumer, mortgage, and business lending portfolios. This hybrid role blends lending analytics, credit risk evaluation, and operational reporting to enhance decision quality and ensure safe, sound, member-centric lending.

The Credit Analyst plays a pivotal role in UFCU’s digital business design by synchronizing data, processes, and people across silos, improving the accuracy, transparency, and speed of credit-related decisions.

This role is ideal for someone who is analytical, structured, collaborative, and driven to improve how teams make decisions together — aligned with UFCU’s culture of clarity, consistency, and empowerment.

The Credit Analyst reports to the Chief Lending Officer

• Produce timely, accurate analytics for loan portfolios, including delinquency, charge-off trends, loan mix, exception rates, and credit tier performance.
• Support development and maintenance of portfolio dashboards using data visualization tools (e.g., Power BI).
• Conduct trend analysis on credit quality, origination, risk migration, and evaluate performance of scoring models to enhance credit decisioning.
• Provide underwriting and pricing insights based on risk‑adjusted return and member behavior metrics.

• Own preparation of the quarterly Credit Council packet with CLO.
• Validate all KRIs and KPIs for accuracy, completeness, and consistency with Enterprise Risk Management.
• Partner with Lending, Finance, and Compliance to ensure reports reflect up-to-date policy, regulatory, and CECL considerations.
• Present analytical findings clearly and tactfully to support strong cross‑functional discussion.

• Assist in CECL modeling inputs, stress‑testing routines, and static pool performance analysis.
• Help ensure compliance with NCUA requirements and internal policy standards through data and analytic support.
• Support independent loan review preparation and quality control metrics.

• Work closely with internal partners (Lending, ERM, Finance, Compliance, Technology) to ensure data alignment and decision‑quality improvements.
• Demonstrate strong relational skills and tactful communication to support constructive, trust‑centered dialogue.
• Serve as a connector across silos, enabling decision coordination and shared understanding in support of UFCU’s digital business design.

• Recommend improvements to underwriting standards, exception processes, and automated decisioning rules based on data insights.
• Identify data gaps and propose enhancements to systems, reporting structures, and workflows.
• Support development of a scalable analytics framework that adapts to UFCU’s evolving lending strategies and digital offerings.

• Adheres to all company policies, procedures, and business ethics codes.
• Completes required regulatory training as assigned.
• Maintains strict adherence to and compliance with all laws, rules, regulations, and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti‑Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.

Knowledge

• Deep understanding of credit risk principles, financial statement analysis, and regulatory requirements.
• Familiarity with credit risk models, loan origination systems, and specialized risk assessment software.

Skills

• Strong proficiency with Excel and experience with SQL and business intelligence tools (e.g., Power BI, Tableau).
• Familiarity with CECL methodologies, loan origination systems, and portfolio management tools.
• Strong quantitative reasoning and ability to synthesize complex information into clear, actionable insights.

Abilities

• High personal standards, discipline, and follow‑through.
• Analytical discernment — able to evaluate ideas and proposals with balanced, practical judgment.
• Relationship‑oriented communicator who builds trust across teams.
• Calm, steady presence with resilience under pressure.
• Commitment to UFCU’s member‑centric mission and…