Credit Risk Analyst Manager

KCU • Bremerton, WA

2d • Hybrid

About The Position

The Credit Risk Analyst Manager is responsible for developing, maintaining, and continuously enhancing the Credit Union's portfolio risk analytics, delinquency reporting, CECL data inputs, and performance monitoring framework. This position serves as the organization's subject matter expert for consumer, real estate, business, and commercial credit performance analytics. The role owns the production, accuracy, and ongoing enhancement of portfolio performance reporting, providing timely and actionable insights that support executive decision-making, loss mitigation strategies, underwriting improvements, and balance sheet optimization. Success in this role requires a high degree of analytical capability, attention to detail, accountability, and independent execution.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Mathematics, Statistics, Data Analytics, or related field.
• Five or more years of experience in credit risk analytics, portfolio management, CECL, or lending analytics within a financial institution.
• Advanced analytical and quantitative skills.
• Strong knowledge of consumer and commercial lending.
• Experience with portfolio segmentation and performance analytics.
• Advanced Excel proficiency.
• Experience working with SQL, Power BI, Tableau, or similar reporting tools.

Nice To Haves

• Credit union experience.
• Experience with CECL modeling.
• Knowledge of AI-enabled analytics.
• Experience with predictive modeling and statistical analysis.
• Familiarity with lending platforms, business intelligence tools, and data warehouse environments.

Responsibilities

• Own the Credit Union's monthly portfolio performance reporting process.
• Monitor and report delinquency trends across all lending portfolios.
• Produce monthly delinquency dashboards and executive reporting.
• Analyze roll rates, cure rates, charge-offs, recoveries, payment behavior, and portfolio migration.
• Identify emerging credit trends, concentrations, and performance deterioration.
• Develop recommendations to improve portfolio quality and reduce losses.
• Complete monthly stratification analysis across all loan portfolios, including: Product type, Credit score (FICO), Loan-to-value (LTV), Debt-to-income (DTI), Loan vintage, Dealer, Geographic region, Occupancy, Employment segment, Risk grade.
• Identify the primary drivers of delinquency, loss, and profitability.
• Recommend underwriting, pricing, and portfolio management changes based on analytical findings.
• Maintain and update monthly delinquency curves.
• Maintain vintage performance analysis for all portfolio segments.
• Monitor migration by delinquency bucket.
• Produce trend analysis comparing current portfolio performance against historical expectations.
• Develop forecasting models to identify emerging credit deterioration.
• Produce monthly peer comparison reports utilizing available NCUA, Call Report, and industry benchmarking data.
• Compare key portfolio performance metrics including: Delinquency, Net charge-offs, Recoveries, Yield, Growth, Concentration.
• Identify opportunities where the Credit Union materially outperforms or underperforms peers.
• Prepare and maintain monthly CECL analytical inputs.
• Update reserve assumptions for new and existing portfolio vintages.
• Validate data integrity supporting CECL calculations.
• Perform sensitivity analyses and portfolio loss forecasting.
• Partner with Finance to support reserve adequacy and allowance methodology.
• Develop reporting supporting collections and recovery strategies.
• Identify opportunities to reduce: Early-stage delinquency, Voluntary surrenders, Charge-offs, Bankruptcy losses, Repossession losses.
• Evaluate effectiveness of collection strategies and recommend improvements.
• Develop predictive analytics supporting early intervention efforts.
• Prepare recurring executive dashboards.
• Develop Board-level portfolio performance reporting.
• Produce quarterly portfolio risk reviews.
• Support ALCO, Loan Committee, and Executive Leadership reporting.
• Improve reporting automation.
• Develop AI-enabled analytical capabilities where appropriate.
• Eliminate manual reporting through workflow optimization.
• Continuously enhance data quality, reporting accuracy, and analytical capabilities.
• Perform additional analytical assignments and special projects as directed.

Benefits

• Free onsite parking
• Annual time off and sick time accrued
• 11 Paid holidays
• 1 Personal day
• Medical, Dental, Vision, Short- and Long-term Disability, Life and AD&D Insurance
• Employee Assistance Program
• Choose from a PPO medical plan or a High Deductible with a Health Savings Account
• 3% KCU funded Safe Harbor Contribution to your 401K
• KCU will match up to 2% of your 401K contributions
• All 401K contributions are 100% vested
• Potential annual incentive in all roles within Kitsap Credit Union
• Tuition reimbursement
• 8 hours of paid volunteer time off
• Discounts on KCU's products and services
• Unlimited ORCA transit access through KCU for less than $45 a year

What This Job Offers

• Job Type: Full-time
• Career Level: Manager