Credit Risk Analyst

Members Achieve More isn't just a tagline for us – it’s a commitment to everything we do. We’re looking for passionate individuals to help us sustain this focus every day.

• The Risk Analyst initiates and supports Credit Risk Management analysis and decisions using queries, reports, and visual tools.
• Produces and analyzes ongoing risk management reports and analyses.
• Performs ad‑hoc analysis of Credit Risk trends and portfolio performance, as well as forward‑looking analysis.
• Analyzes the effectiveness of credit risk models and strategies and provides insights and recommendations to leadership.
• Participates in projects impacting Credit Risk Management.
• Identifies and implements process improvements to enhance the efficiency of the Credit Risk Management unit.
• Collaborates with others to drive Credit Risk Management initiatives.
• Reports to the Director of Credit Risk & Data Analytics.
• Work is performed with a high degree of independence.
• Assists with first‑line monitoring of the credit union loan portfolio.
• Prepares and analyzes reports and analyses, and makes recommendations related to loan performance, risk‑based pricing, decisioning models, underwriting, and portfolio management.
• Monitors and trends changes to the loan portfolio and application quality with regard to business process changes and Credit Risk initiatives.
• Analyzes the impact of changes to assess success and effectiveness, and evaluates and recommends adjustments to mitigate risk while promoting growth.
• Drives the ongoing development of Credit Risk Management dashboards and reports to support Credit Risk initiatives and the analysis of Credit Risk models, loan performance, application quality, risk‑based pricing, and other Credit Risk strategies.
• Identifies opportunities to convert ad‑hoc analyses and represents Credit Risk Management within departmental and organizational projects & initiatives.
• Supports requirements development, analysis, and implementation in relation to Credit Risk.
• Performs ad‑hoc analysis of prospective changes related to Credit Risk and presents findings and recommendations to management.
• Works collaboratively with key stakeholders to ensure changes are approved, documented, and implemented.
• Other duties as assigned.

Schedule:

Monday – Friday, 8:00 a.m. – 4:00 p.m. or 9:00 a.m. – 5:00 p.m.

This position will be a hybrid model with both in‑person and remote work, requiring a minimum of 40% onsite presence as needed.

• Bachelor of Science (Required) or an equivalent combination of experience and education.
• Two years’ experience in Consumer Lending or a Credit Risk function.