Credit Risk Analyst

Ascend Federal Credit Union•Murfreesboro, TN

About The Position

Ascend is the largest credit union in Middle Tennessee and one of the largest credit unions in the United States, with over $4 billion in assets. With an occupation-based field of membership, Ascend is focused on the expansion and diversification of the select employee groups it serves, which creates greater security for the credit union and its member-owners. Approximately 650 employees serve more than 260,000 members from 27 Middle Tennessee branch locations, Regional Operations Center, Teller Center and Corporate Headquarters. Ascend recognizes that its employees are critical to the credit union’s sustained success and future growth. Our employees are the face of the credit union and their personal successes fuel the success of the team. Through collaboration between employees, management, our membership and our Board, we fuel an engine that propels the credit union forward.

Requirements

Bachelor's Degree in Finance, Accounting, Economics, Business Analytics, or a related field; or equivalent relevant experience is required
Proficiency in Excel; experience with reporting or business intelligence tools (e.g., Power BI, Tableau).
Basic knowledge with consumer, mortgage, or commercial lending products.
Demonstrated interest in portfolio analytics, risk modeling, or credit policy development.
Occasional after hours or deadline driven work may be required during reporting cycles or examinations.
Strong analytical and critical thinking skills.
Ability to interpret financial, credit, and performance data.
Ability to communicate insights clearly to both technical and non technical audiences.
High attention to detail and commitment to data integrity.
Demonstrated initiative, curiosity, and willingness to learn and expand responsibilities over time.
Regular and reliable attendance is required.
Must have and maintain a valid driver's license.

Nice To Haves

3-5 years Experience in credit and financial analysis, risk and management reporting, audit support, and data analytics preferred, but not required if the candidate demonstrates strong analytical aptitude and learning ability
Experience in a credit union or regulated financial institution is preferred

Responsibilities

Monitor credit performance indicators including delinquency, charge offs, recoveries, risk ratings, and portfolio migration trends.
Analyze loan performance by product type, borrower characteristics, vintage, and other relevant risk segments.
Identify emerging credit risk trends, early warning indicators, and areas of potential concern or opportunity.
Support the development and enhancement of credit risk models, tools, and frameworks used to evaluate credit proposals and provide risk-based recommendations.
Prepare recurring and ad hoc credit risk reports for management, committees, and the Board.
Assist in the development and refinement of credit risk dashboards and reporting tools, with increasing automation over time.
Ensure data accuracy, consistency, and documentation integrity.
Collaborate with Lending, Finance, and IT to improve data quality and analytical capabilities.
Utilize programming and analytical methodologies to develop and maintain financial databases, reports, and statistical models.
Monitor economic conditions, industry trends, and peer data relevant to the Credit Union’s loan portfolios.
Stay informed on regulatory guidance and examiner expectations related to credit risk management.
Assist with preparation for regulatory exams, audits, and internal reviews.
Provide analytical support for credit policy, underwriting standards, and risk tolerance evaluation.
Monitor performance of loans approved with policy exceptions or elevated risk characteristics.
Assist with loan review processes, portfolio reviews, and post implementation evaluations of lending programs.
Ensure credit activities, documentation, and reporting comply with internal policies, regulatory requirements, and best practices.