Credit Risk Analyst

Ascend Federal Credit Union•Murfreesboro, TN

8h•Onsite

About The Position

As a Credit Risk Analyst, you will support the Chief Lending Officer in monitoring, analyzing, and reporting on credit risk across the Credit Union's consumer, mortgage, and commercial loan portfolios. This is a foundational role with significant opportunity for growth as the Credit Union continues to enhance its credit risk management framework and analytical capabilities. Initially, the Analyst will focus on portfolio monitoring, reporting, and trend analysis. Over time, the role will expand to include advanced risk analytics, policy development support, and the delivery of strategic credit risk insights. The ideal candidate will bring prior credit or analytical experience and demonstrate strong intellectual curiosity, initiative, and a genuine interest in helping build and strengthen the Credit Union's credit risk function. #LI-Onsite

Requirements

Bachelor's Degree in Finance, Accounting, Economics, Business Analytics, or a related field; or equivalent relevant experience is required
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
Proficiency in Excel; experience with reporting or business intelligence tools (e.g., Power BI, Tableau).
Basic knowledge with consumer, mortgage, or commercial lending products.
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

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.