Credit Policy Analyst

Travis Credit Union•Vacaville, CA

11h•$43 - $54•Hybrid

About The Position

Travis Credit Union’s (TCU) Credit Policy Analyst focuses on developing, implementing, and monitoring credit policies to ensure effective risk management, profitability, and compliance. This position is responsible for conducting in-depth analysis of credit data, evaluating existing policies, and ensuring robust compliance with internal standards and external regulatory requirements. The analyst will provide actionable insights to help the organization balance growth with sound credit practices, fostering a stable lending environment.

Requirements

Quantitative & Analytical Proficiency – Strong ability to analyze financial data, credit models, and market trends to recommend sound policy and guidelines.
Credit Risk Assessment and Policy Development – Evaluating borrower creditworthiness using financial metrics and credit scoring models. An understanding of policy frameworks and risk appetite alignment.
Regulatory Compliance – Familiarity with FCRA, ECOA, Basel III, and other relevant regulations.
Market Research & Competitive Analysis – Ability to assess market conditions and competitor credit strategy to make informed decisions.
Problem-Solving – Identifying root causes of credit performance issues and proposing solutions.
Data Visualization & Reporting – Proficiency in tools like Excel, Tableau, Power BI, and SQL to present credit risk insights.
Communication – Ability to collaborate with stakeholders, clearly articulate analysis and policy rationale, and present lending recommendations.
Bachelor’s degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or equivalent related work experience.
Minimum of 3 years professional experience in credit policy analysis or policy development.
Minimum of 2 years utilizing analytic tools, key performance indicators, and solutions to inform business decisions and policy strategy.

Nice To Haves

Data Visualization certification (i.e. Tableau, Power BI) or SQL certification desired.

Responsibilities

Creates and evaluates credit policies that guide lending practices, ensuring they align with regulatory requirements while maintaining profitability.
Conducts risk analysis to assess the impact of existing and proposed credit policies on an organization's risk exposure.
Ensures lending practices align with internal policies and external regulations.
Assesses the effectiveness of credit policies and recommends adjustments to improve outcomes.
Conducts industry and economic analysis to identify trends and/or opportunities that may impact credit policies.
Collaborates with teams across finance, risk management, and operations to implement and enforce credit policies.