Credit Risk Analyst

MyUSA Credit Union•Middletown, OH

4h•Onsite

About The Position

MyUSA Credit Union is a member-owned, over $350 million financial institution with offices in Middletown (2), Trenton, Kettering (2), Moraine, Springfield and Vandalia. Our mission is simple, we serve people, not profits and we deliver top-tier results for our members while remaining affordable, trusted, and local. We are seeking a full-time, onsite Credit Risk Analyst at our corporate branch in Middletown, OH. The Credit Risk Analyst assists the Lending Manager in developing strategies to increase the direct lending activity at MyUSA. They perform credit and risk analysis to assess opportunities for increasing direct lending by 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
Proficient with Microsoft Office, including Excel, and PowerPoint
Bachelor’s degree in business or finance related field, or equivalent through a combination of experience and training

Nice To Haves

Background in lending and underwriting preferred

Responsibilities

Compiles Loss Scenario Analysis to increase and maximize lending production.
Explores, recommends, and implements non-credit bureau-based lending criteria and practice, including AI tools.
Assist Lending Manager with development of analytics to maximize ROI of 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.
Ensures compliance with Credit Union policies and procedures, as well as all State and Federal lending regulations and underwriting practices.