Credit Risk Analyst

Join to apply for the Credit Risk Analyst role at MyUSA Credit Union
.

MyUSA Credit Union is an over $350 million member‑owned financial institution with offices in Middletown (2), Trenton, Kettering (2), Moraine, Springfield and Vandalia. We are seeking a full‑time, onsite Credit Risk Analyst at our corporate location in Middletown, Ohio. The analyst assists the Lending Manager in developing strategies to maximize lending production while mitigating risk by performing credit and risk analysis to assess opportunities to increase direct lending, analyzing financial ratios, industry trends, benchmarks and practices based upon appropriate level of risk.

• Compile Loss Scenario Analysis to increase and maximize lending production.
• Explore, recommend, and implement non‑credit bureau‑based lending criteria and practice, including AI tools.
• Assist the Lending Manager with development of analytics to maximize ROI of lending initiatives.
• Develop internal expertise on pre‑approval criteria as a credit union core competency.
• Develop routine reporting and analysis on industry‑wide lending plans and initiatives for MyUSA.
• Ensure compliance with Credit Union policies and procedures, as well as all State and Federal lending regulations and underwriting practices.

• Strong organizational and analytical skills.
• Excellent verbal and written communication skills.
• Working knowledge of various lending platforms.
• Strong knowledge of financial institution lending strategies and credit score models.
• Strong Microsoft Office abilities, including Excel, Word and PowerPoint.
• Bachelor’s degree in business or finance related field, or equivalent through a combination of experience and training.
• Experience in lending and underwriting preferred.

• 401(k) Matching
• Generous Paid Time Off
• Company‑paid Life, AD&D and Disability Insurance
• Credit Union membership
• Health, Dental, & Vision insurance
• Employee Assistance Program
• Flexible Spending Account
• Health Savings Account
• Tuition assistance
• Referral program

• On‑site, office environment

• Day shift operational hours

MyUSA Credit Union is an equal opportunity employer.