Credit Risk Management Analyst

Mountain America Credit Union•Sandy, UT

4d•Hybrid

About The Position

We are seeking a motivated and capable Credit Risk Management Analyst to join our growing Credit Risk Management team at Mountain America Credit Union (MACU). Our goal within the Credit Risk Management Program is to protect MACU and create confidence in our health and resilience by ensuring that credit risks are known, clear, communicated, and considered. You will help us accomplish this goal through the job activities listed below.

Requirements

A minimum of 3 years of lending and/or credit analysis in consumer and/or commercial lending, preferably with a financial institution
Strong understanding of lending products, terms, underwriting criteria, and servicing and liquidation practices
Demonstrated proficient skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel.
Demonstrated ability to clearly communicate verbally and in writing.
Ability to read and interpret federal, state, and NCUA regulations as well as internal policy guidelines related to lending.
Ability to read, interpret, and analyze financial data and reporting in a variety of formats.
Ability to manage a risk assessment or project from start to end by carrying out required steps and following those steps to completion.
Excellent interpersonal skills, including the ability to collaborate with multiple teams.
Ability to work independently and as part of a team.
Excellent communication, collaboration, and problem-solving skills.
Ability and willingness to provide suggestions to improve processes and efficiencies. Able to negotiate and compromise to come to solutions satisfactory to multiple parties.
Possess a desire and willingness to learn and continually update knowledge of financial concepts, strategies, systems etc.

Nice To Haves

Knowledge of applicable credit union laws and regulations related to lending.
Experience with analytical and reporting software preferred.

Responsibilities

Assist in assessing the credit risk exposure of the credit union by partnering with first-line business stakeholders to understand lending products, processes, strategies, and risks.
Partner with first- and second-line business stakeholders to review and assess potential credit risks associated with lending portfolios, products, processes, and strategies.
Identify and surface potential risks and concerns to relevant stakeholders.
Create and draft risk assessments and reports.
In collaboration with team members, assist business units in the development of remediation plans and timelines for identified risks.
Review existing reporting and document/communicate any changes or trends within the data analyzed.
Review loan data on an individual and aggregate basis to determine potential risks, adherence to policy and procedures.
Assist in the preparation of reporting to management.
Support the implementation of the Credit Risk Management Program strategy and road map.
Utilize judgment, perspective, and ownership in fulfilling job functions.
Stay up to date on evolving regulatory requirements and expectations, as well as industry best practices for credit risk management.
Support the preparation of regulatory reports and audits related to credit risk.