Credit Risk Analyst

Come grow with us! MyUSA Credit Union is a member‑owned, over $350 million financial institution with offices in Middletown (2), Trenton, Kettering (2), Moraine, Springfield and Vandalia. Our mission is simple, we serve people, not profits and we deliver top‑tier results for our members while remaining affordable, trusted, and local.

We are seeking a full‑time, onsite Credit Risk Analyst at our corporate branch in Middletown, OH. The Credit Risk Analyst assists the Lending Manager in developing strategies to increase lending activity y perform credit and risk analysis to assess opportunities for increasing direct lending by analyzing financial ratios, industry trends, benchmarks and practices based upon appropriate level of risk.

• Compiles Loss Scenario Analysis to increase and maximize lending production.
• Explores, recommends, and implements non‑credit bureau‑based lending criteria and practice, including AI tools.
• Assist Lending Manager with development of analytics to maximize ROI of lending initiatives.
• Develops internal expertise on pre‑approval criteria as a credit union core competency.
• Develops routine reporting and analysis on industry‑wide lending plans and initiatives for MyUSA.
• Ensures 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
• Proficient with Microsoft Office, including Excel, and Power Point
• Bachelor’s degree in business or finance related field, or equivalent through a combination of experience and training
• Background in lending and underwriting preferred

MyUSA Credit Union is an equal opportunity employer.

Job Type: Full‑time, Salary exempt

• 401(k) Matching to 5%, immediately vested
• Generous Paid Time Off plans
• 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

Casual office environment

Day shift business hours