Credit Risk Analytics Manager

Palmetto Citizens Federal Credit Union•Columbia, SC

About The Position

The Credit Risk Analytics Manager develops and maintains the analytical framework used to monitor and assess the Credit Union’s commercial, consumer, and mortgage loan portfolios. The role is the primary resource to the Chief Credit Officer for portfolio analytics, credit performance measurement, concentration monitoring, data validation, and management reporting. It turns lending and servicing data into actionable risk intelligence by identifying emerging trends, investigating underlying drivers, evaluating performance against approved limits and risk tolerances, and recommending monitoring, underwriting, policy, or process responses for the Chief Credit Officer’s consideration. The position supports executive management, Board, committee, audit, and regulatory reporting, and works with lending, servicing, finance, compliance, risk, analytics, audit, and technology stakeholders. The Chief Credit Officer retains responsibility for credit risk appetite, final policy direction, and material risk decisions. The Manager analyzes portfolio performance and credit quality; produces recurring dashboards, reports, and decision support; monitors concentrations and limits; validates reporting data and methodologies; supports credit policy development and review; and prepares analytics and documentation for examinations, audits, loan reviews, and committees. The role also collaborates on improving reporting, controls, data quality, and monitoring processes, while protecting confidential information and exercising integrity and objectivity.

Requirements

Bachelor’s degree in finance, accounting, economics, business administration, data analytics, risk management, or a related field.
Six or more years of relevant experience in credit risk analytics, portfolio management, credit administration, underwriting, loan review, financial analysis, data analytics, or financial institution risk management.
Demonstrated ability to analyze lending or financial data, identify meaningful trends, evaluate risk implications, and present evidence-based recommendations.
Advanced proficiency in Microsoft Excel, including pivot tables, lookup functions, Power Query, data reconciliation, data modeling, and trend analysis.
Experience developing management reports, dashboards, scorecards, or portfolio monitoring tools.
Strong analytical judgment, technical writing, organization, attention to detail, and verbal communication skills.
Ability to communicate complex analytical findings clearly to executive, operational, audit, and regulatory audiences.

Nice To Haves

Experience with a credit union, community bank, or other regulated financial institution.
Knowledge of commercial, consumer, and mortgage lending practices and credit risk indicators.
Experience with Power BI, SQL, Tableau, business intelligence platforms, core banking systems, loan origination systems, or portfolio monitoring tools.
Experience with concentration analysis, criticized or classified assets, delinquency migration, vintage analysis, policy exceptions, loan modifications, CECL support, or portfolio stress analysis.
Familiarity with NCUA regulations, regulatory examinations, internal audit, independent loan review, or Board-level credit risk reporting.
Relevant certification or professional development in credit, financial risk, data analytics, audit, compliance, or financial services.

Responsibilities

Analyze commercial, consumer, and mortgage portfolio performance, including balances, originations, runoff, utilization, delinquency, nonaccrual activity, charge-offs, recoveries, modifications, risk ratings, policy exceptions, and concentrations.
Perform trend, variance, migration, vintage, segmentation, and comparative analyses to identify developing risks and changes in credit quality.
Evaluate portfolio performance across relevant dimensions such as product, collateral type, geography, industry, borrower relationship, risk grade, credit score range, origination channel, loan vintage, and maturity.
Identify material changes, anomalies, and emerging risk indicators; investigate potential causes and distinguish confirmed findings from those requiring further validation.
Monitor criticized and classified assets, watch-list relationships, policy exceptions, and other higher-risk portfolio segments.
Support targeted portfolio reviews, sensitivity analysis, scenario analysis, and stress testing as directed by the Chief Credit Officer.
Develop and maintain recurring credit risk dashboards, scorecards, trend reports, and management reporting packages.
Prepare concise reporting and analysis for the Chief Credit Officer, executive management, applicable committees, and the Board of Directors.
Translate analytical findings into practical recommendations involving monitoring, underwriting, policy limits, approval controls, pricing, data remediation, targeted reviews, or training.
Explain significant findings, including what changed, why it matters, affected portfolio segments, potential drivers, available management responses, and recommended action.
Assist the Chief Credit Officer in evaluating new products, underwriting changes, participation opportunities, acquired portfolios, strategic initiatives, and economic conditions.
Develop and maintain key risk indicators and escalation thresholds for timely credit risk oversight.
Monitor exposure against Board-approved concentration limits, policy limits, management thresholds, and risk tolerances.
Prepare applicable concentration reporting, including commercial real estate, industry, geographic, product, relationship, participation, unsecured, construction, and business-purpose residential exposures.
Project portfolio growth and limit utilization to identify potential pressure before a threshold or limit is reached.
Validate reported definitions and calculations against approved policy and documented methodologies; escalate potential breaches, significant concentration trends, and material reporting discrepancies to the Chief Credit Officer.
Validate the accuracy, completeness, consistency, and reasonableness of data used in credit risk, concentration, policy-limit, examination, and Board reporting.
Reconcile core system records, loan origination and servicing systems, financial reporting, and management reports.
Review material reporting fields, including loan purpose, collateral description, lien status, NAICS code, CRE indicator, risk rating, maturity, delinquency status, participation status, and exception designation.
Maintain data dictionaries, metric definitions, calculation methodologies, data-source documentation, report ownership, validation procedures, and known limitations.
Partner with operational and technical stakeholders to investigate discrepancies and recommend improvements to data capture, reporting controls, dashboards, and governance processes.
Provide analytical support for the development and annual review of commercial, consumer, mortgage, concentration, and related credit risk policies.
Assess whether portfolio performance, exception trends, market conditions, or risk indicators warrant reconsideration of policy limits, underwriting standards, approval authorities, or monitoring requirements.
Prepare data-driven policy impact analyses and recommendations for the Chief Credit Officer.
Validate that management reporting, risk definitions, and monitoring practices remain aligned with approved policies.
Analyze policy exceptions and waivers by frequency, type, approving authority, portfolio segment, performance, and recurring themes.
Assist with documentation of policy rationale, quantitative support, monitoring expectations, and post-implementation results.
Prepare portfolio analytics, concentration reports, data reconciliations, metric documentation, and supporting schedules for NCUA examinations, internal and external audits, and independent loan reviews.
Respond to assigned information requests and maintain organized, examination-ready analytical documentation.
Support tracking and validation of remediation commitments related to credit reporting, data quality, concentrations, or portfolio monitoring.
Assist in preparing presentations, executive summaries, and supporting analysis for management and governance committees.
Explain analytical methodologies, assumptions, findings, and limitations to internal and external reviewers.
Collaborate with lending, servicing, finance, compliance, enterprise risk management, analytics, internal audit, and information technology stakeholders to strengthen credit risk reporting and oversight.
Exercise professional skepticism and respectfully challenge unsupported assumptions, inconsistent data, or conclusions that do not align with available evidence.
Identify opportunities to automate recurring reports, improve controls, simplify workflows, and increase the timeliness and usefulness of credit risk information.
Develop job aids and documentation that promote consistent understanding of risk metrics, report definitions, and monitoring expectations.
Protect confidential member, borrower, employee, and organizational information and perform responsibilities with integrity and objectivity.
Perform other duties as assigned, ensuring accountability and alignment with organizational objectives.