Credit Modeling Administrator

Mountain America Credit Union•Sandy, UT

2d•Hybrid

About The Position

This role leads the first-line credit risk and reporting team, overseeing portfolio management, risk assessment, and regulatory compliance. They will partner closely with lending units to ensure credit decisions align with the credit union’s risk appetite and strategic goals. The ideal candidate brings expertise in CECL model management and credit modeling, using data-driven insights to optimize portfolio performance.

Requirements

8-10 years of experience in banking or financial services, with a focus on credit risk management
Bachelor's degree in Finance, Economics, Mathematics, Quantitative Analysis, or related field
Expertise in CECL model implementation, calibration, and validation
Strong knowledge of credit modeling techniques, including regression analysis, and risk forecasting
Experience managing credit portfolios, including consumer, mortgage, and commercial lending
Familiarity with banking and credit union regulations, and Federal Reserve guidelines
Brings strategic business context to decisions made across groups
Prominent knowledge of theory and organizational experience through extensive exposure to complex practices across several different disciplines within credit risk management, financial services, and lending operations.
Functional thought leader, sought after for key decisions
Leverages knowledge of trends in profession and/or specialized areas to influence strategy
Public speaking skills
Leadership and talent management skills
Strategic thinking
Problem solving skills
Verbal/written communication skills
Creates a sense of urgency and accountability in delivering objectives and a culture which fosters innovation and creativity
Develops multifunctional leadership
Drives MACUWay, competencies and customer focus throughout the team or department
Coaches individuals to reach full potential
Significantly participates in recruiting efforts.
Continually raises the bar
May be responsible for developing and communicating team or department vision and goals
Oversees planning process and delegation across teams and/or departments
Go-to person in at least one major functional or technical area
Has authority over decisions for particular projects within a group
Applies specialized knowledge to implement programs and initiatives and contributes to problems of high complexity.
Will serve as a technical lead for our most complex, cross functional projects.
Analyzes data to summarize findings and draws conclusions about programs to project teams
Contributes to projects that impact the organization and is accountable for impact analysis of programs and initiatives
Assists with priority projects and provides for a review and recommendation on current processes and technologies that facilitate operational efficiencies
Develops relationships with key business and functional leaders
Applies advanced subject matter knowledge to complex business issues, and is regarded as a subject matter expert
Able to handle most unique situations
Develops expertise and may help set functional procedures and direction
Initiates projects for a team or approves proposed projects from teams
Identifies and institutionalizes best practices
Develops solutions to some of the company’s most challenging issues, requiring significant ingenuity
May develop long-term strategies and influence leadership decisions
Keeps abreast of industry trends and applies knowledge to MACU’s business
Functional thought leader, sought after for key decisions
Works on complex problems / projects where analysis of situations or data requires an in-depth evaluation of multiple factors
Exercises significant independent judgment within broadly defined procedures and practices to determine best method for accomplishing work and achieving objectives
Makes decisions on most complex business issues
Proficiency in financial analysis tools like Tableau, SAS, or SQL.
Strong leadership and communication skills, with the ability to present strategies and complex data to executive teams and business unit stakeholders.
An ability to collaborate across diverse business segments and communicate clearly and effectively to support the business needs of both lending operations and financial reporting.
Demonstrated leadership experience preferred

Nice To Haves

Master's degree preferred
CRC, CFA, or FRM certification preferred

Responsibilities

Partner with business units to ensure credit decisions align with risk appetite.
Provide risk analysis and recommendations for complex credit transactions.
Lead the maintenance of CECL (Current Expected Credit Loss) models, ensuring compliance with accounting standards and regulatory requirements.
Manage credit risk modeling, analyzing borrower behavior, trends, and identify emerging risks and economic conditions.
Using credit risk modeling and trend analysis, collaborate with lending teams to recommend loan underwriting standards and portfolio management practices.
Maintain loan concentration monitoring, review, reporting, and ongoing analysis.
Monitor credit risk exposure, including performing back-testing, to identify areas for improvement and recommend adjustment strategies accordingly.
Work with senior leadership to develop forecasting models that guide strategic decision-making.
Ensure compliance with federal regulations, including banking laws, NCUA regulations, and risk management standards.
Supports audits, internal reviews, and risk governance processes.
Lead, mentor, and develop a team of credit analysts and risk professionals.
Work closely with lending, servicing & collections, and 2nd line financial and credit risk teams to develop and maintain effective reporting on loan portfolio performance and risk management.
Establish and maintain robust model risk governance including detailed model documentation, ongoing model performance monitoring, and participation in model validation activities.
Provide PD & LGD analysis, stress testing, and scenario analysis to assist with Capital Planning, and strategic initiatives.
Provide reporting and analysis of pledged loan collateral for institutional credit lines at the FHLB, Federal Reserve, and other FIs.
Support capital planning and stress tests and scenario analyses for strategic decision-making.
Participate in discussions relating to internal processes and reporting for examiners, risk committees, and audits.
Provide early warning indicators through portfolio migration analysis and credit risk dashboards.
Other duties as assigned.