Senior Credit Risk Analyst

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Finance Full Time Professional Finance, Littleton, MA, US

2 days ago Requisition

Salary Range: $94,822.37 To $ Annually

Job Title:Senior Credit Risk Analyst

Department or Branch:Risk Management

At Workers Credit Union, everything starts with a simple but powerful purpose:
We enable financial prosperity through values-driven solutions because everyone deserves a future they can believe in.

For more than a century, we’ve been a trusted partner in helping people make confident financial decisions and build stronger futures. Today, as a $2.5B organization serving over 120,000 members, we continue to evolve, thoughtfully blending personal connection with modern capabilities to better support our members in the moments that matter most.

We call this the Workers Way. It shapes how we show up every day, with personalized guidance, practical solutions, and a deep commitment to doing what’s right. Just as importantly, it defines how we work together. We choose purpose over ego. We communicate directly with respect. We dare to grow. We do the right thing, always
. And we win together
, because meaningful results are built through shared success.

As we look ahead, we’re building on a strong foundation and continuing to evolve how we operate and deliver impact, simplifying experiences and strengthening capabilities.
We have big plans for the future, and we hope you’ll be part of what comes next.

The
Senior Credit Risk Analyst
is an experienced individual contributor who supports the Credit Union's credit risk management activities through independent loan portfolio analysis and monitoring, credit risk reporting, credit review, and policy and regulatory support. This position identifies emerging credit risks and trends and works collaboratively with lending, finance, risk management, and other areas of the Credit Union to support sound credit risk practices.

Credit Risk Analysis, Monitoring, and Reporting

• Conducts ongoing analysis and monitoring of the Credit Union's loan portfolios to identify trends, concentrations, emerging risks, and changes in portfolio performance.
• Monitors credit quality indicators, including delinquencies, charge-offs, risk ratings, policy exceptions, collateral trends, and other credit risk metrics.
• Prepares and analyzes recurring credit risk reports for Management, the Risk Oversight Committee, the Board of Directors, and other appropriate stakeholders.
• Performs credit migration analysis, stress testing, benchmarking, and ad hoc credit risk analysis as requested.
• Provides analysis and recommendations to Management regarding portfolio trends and emerging risks.

Credit Review and Risk Management

• Monitors and supports the administration and maintenance of the Credit Union's credit risk rating framework.
• Reviews and analyzes risk ratings and other credit-related information, identifying potential concerns for Management's consideration.
• Monitors annual reviews, renewals, and other credit review requirements to support timely completion.
• Supports and coordinates third-party loan review activities, and follows up on findings, recommendations, and management action plans.
• Performs individual credit or loan reviews as appropriate.

Policy, Regulatory, and Governance Support

• Supports the development, maintenance, and periodic review of lending and credit risk policies and procedures.
• Monitors and assists with the analysis and reporting of policy exceptions.
• Maintains awareness of applicable regulatory requirements, industry developments, and credit risk management practices.
• Suppor…