Credit Risk Analyst

MyUSA Credit Union•Middletown, OH

8d•Onsite

About The Position

MyUSA Credit Union is an over $350 million-dollar, member-owned financial institution with offices in Middletown (2), Trenton, Kettering (2), Moraine, Springfield and Vandalia. We are seeking candidates for a full-time, onsite Credit Risk Analyst at our corporate location in Middletown, Ohio. Our Credit Risk Analyst assists the Lending Manager in developing strategies to maximize lending production while mitigating risk. They perform credit and risk analysis to assess opportunities to increase direct lending, analyzing financial ratios, industry trends, benchmarks and practices based upon appropriate level of risk.

Requirements

Strong organizational and analytical skills
Excellent verbal and written communication skills
Working knowledge of various lending platforms
Strong knowledge of financial institution lending strategies, and credit score models
Strong Microsoft Office abilities to include Excel, Word and PowerPoint
Bachelor’s degree in business or finance related field, or equivalent through a combination of experience and training
Experience in lending and underwriting preferred

Responsibilities

Compiles Loss Scenario Analysis to increase and maximize lending production.
Explore, recommend, and implement non-credit bureau-based lending criteria and practice, including AI tools.
Assist Lending Manager with development of analytics to maximize ROI of our lending initiatives.
Develops internal expertise on pre-approval criteria as a credit union core competency.
Develops routine reporting and analysis on industry-wide lending plans and initiatives for MyUSA.
Ensure compliance with Credit Union policies and procedures, as well as all State and Federal lending regulations and underwriting practices.