Sr Credit Risk Analyst

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?

Our "people helping people" philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU.

You bring more than your expertise to your role, and that matters here. Your story, perspectives, and lived experiences help shape belonging at BECU and deepen how we connect with and support our employees, our members, and our communities.

The Target Pay Range for this position is $-$ annually. The full Pay Range is $82,900.00 - $ annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant.

Incentives are performance based and targets vary by role.

Because people helping people starts with supporting you.

• 401(k) Company Match (up to 3%)
• 4% annual contribution to your 401(k) by BECU
• Medical, Dental and Vision (family contributions as well)
• PTO Program + Exchange Program
• Tuition Reimbursement Program
• BECU Cares volunteer time off + donation match

As a Sr. Credit Risk Analyst, you'll play a critical role in shaping credit strategy and governance for BECU's Small and Medium Business lending portfolios. Through advanced analytics, portfolio monitoring, and data-driven recommendations, you'll help ensure responsible lending decisions that support both member success and portfolio health. You'll partner with Credit Risk leaders and business stakeholders to identify trends, uncover opportunities, and influence strategic decisions that drive sustainable growth.

Your insights will directly impact credit policy development, portfolio performance, and risk management outcomes. If you're energized by turning complex data into meaningful business action, this is an opportunity to make a measurable difference.

To join our dynamic team, we require candidates to be residents of WA, OR, , AZ, TX, GA, SC, NC, CA or VA. If you're located in Washington state and within a reasonable driving distance from Tukwila, we are requesting that you come into our HQ on Tuesdays & Wednesdays. For those candidates that live outside the commute distance of TFC and in any of our approved remote work locations, this role will be remote.

Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment.

• Analyze Portfolio Performance: Use SQL, SAS, Python, and other analytical tools to evaluate lending portfolio performance, identify trends, uncover risks and opportunities, and support data-driven credit strategy decisions.
• Deliver Actionable Insights: Transform complex data into clear recommendations that influence credit policies, lending strategies, risk management practices, and portfolio growth initiatives.
• Own Portfolio Reporting: Develop, maintain, and enhance recurring and ad hoc reporting, including quarterly portfolio reviews covering exposure, balances, product performance, and portfolio health.
• Support Credit Strategy & Governance: Partner with Credit Risk leaders to assess new lending strategies, policy changes, and portfolio initiatives while supporting effective risk governance and monitoring practices.
• Influence Business Decisions: Present findings and business implications to stakeholders, helping leaders make informed decisions based on analytical evidence and portfolio trends.
• Drive Continuous Improvement: Identify opportunities to streamline reporting, improve analytical processes, increase efficiency, and enhance overall business value.
• Lead Work…