Credit Risk Analyst

About the role

Members Achieve More isn't just a tagline for us, it's part of everything we do! We're looking for passionate individuals to join our team to help us maintain that focus every day. Want to work somewhere that's remained strong for 90 years, that encourages you to learn, grow, and pursue your dreams? If yes, then read on...

Provides strategic analytical expertise supporting the Credit Union's lending and credit risk management functions by transforming complex data into actionable business insights that inform lending strategies and risk management decisions for leadership. Serves as a subject matter expert and trusted analytical resource, leveraging quantitative analysis and business intelligence to identify emerging risks, evaluate opportunities, and support organizational objectives.

Collaborates proactively across the organization to enhance credit risk governance, strengthen measurement frameworks, and drive continuous improvements. Exercises a high degree of independence and judgment in developing insights, recommendations, and solutions that support growth, profitability, and sound risk management. Reports to the Director of Credit Risk & Data Analytics.

Schedule: Monday - Friday. Flexible Hours 7:00am - 3:00pm; 8:00am - 4:00pm or 9:00am - 5:00pm. Onsite requirement is 40%; 2 days a week Tuesday and Wednesday.

In this position, you will

• Lead first-line monitoring and analysis of the Credit Union's loan portfolio to include credit quality, performance trends, and concentration risk. Perform advanced statistical and trend analysis to identify emerging risks, growth opportunities, and portfolio changes. Present findings and recommendations to management to support decisions impacting portfolio management, pricing, underwriting strategies, and credit policy.
• Evaluate the effectiveness of credit risk models, decision strategies, scorecards, policies, and pricing programs. Quantify business impacts and develop data-driven recommendations that balance risk, growth, and profitability objectives. Conduct pre- and post-implementation analyses to validate outcomes, assess ROI, and drive optimization.
• Develop, maintain, and enhance complex SQL queries, databases, scorecards, and analytical tools to support Credit Risk Management and executive decision-making. Identify, prioritize, and implement process automation and operational efficiency improvements through analytics and dashboard enhancements.
• Conduct forecasting, scenario analysis, and forward-looking portfolio assessments to support strategic planning, credit loss estimation, risk monitoring, and regulatory expectations. Partner with internal stakeholders to establish performance metrics, monitoring frameworks, and analytical methodologies that provide actionable insights and support enterprise objectives.
• Maintain knowledge of credit risk best practices, emerging analytical techniques, regulatory developments, and industry benchmarks. Provide guidance and mentorship on analytical methodologies, best practices, and risk measurement and modeling techniques.
• Represent Credit Risk Management in enterprise projects & initiatives. Lead requirements gathering, testing, implementation, validation, and post-implementation performance measurement.
• Other duties as assigned.

Qualifications

Bachelors: Business Administration (Required), Bachelors: Data Analytics (Required), Bachelors: Economics (Required), Bachelors: Finance (Required), Bachelors: Mathematics (Required), Bachelors: Statistics (Required), Bachelors (Required), Masters, Masters: Data Analytics, Masters: Economics, Masters: Statistics

Any equivalent combination of experience and education. | Required Five years' experience in Lending Management, Credit Risk Management, Financial Analysis, Data Analytics, or related field. | Required