Risk Compliance & Decision Support Analyst

VyStar Credit Union•Jacksonville, FL

1d•Onsite

About The Position

The Risk, Compliance & Decision Support Analyst serves as a strategic resource for Loan Administration leadership by providing comprehensive analytical, compliance, risk management, and decision-support expertise. This role is responsible for identifying, evaluating, monitoring, and reporting trends, risks, operational performance, and loss mitigation opportunities across all areas of Loan Administration, including collections, recoveries, asset liquidation, bankruptcies, loan modifications, legal processes, payment posting, and portfolio management. The incumbent conducts in-depth analyses of operational, financial, and portfolio performance data to identify emerging risks, improve business outcomes, enhance operational efficiency, and support strategic decision-making. This position plays a critical role in ensuring the accuracy, integrity, and governance of departmental reporting, metrics, dashboards, forecasts, and performance scorecards used by senior leadership to assess portfolio health, regulatory compliance, operational effectiveness, staffing needs, and financial performance. The analyst partners closely with leadership, Finance, Accounting, Enterprise Risk Management, Audit, Information Technology, and other business units to develop solutions, implement controls, and ensure alignment with organizational objectives. The incumbent is responsible for monitoring compliance with internal policies, regulatory requirements, audit expectations, and risk management standards while identifying control weaknesses, operational inefficiencies, and potential loss exposures. This role supports the development and execution of corrective action plans, risk mitigation strategies, process improvements, and business initiatives designed to strengthen operational controls and improve member outcomes. Additionally, the analyst serves as a subject matter expert for reporting systems, data integrity, process automation, performance management, and regulatory monitoring. Through advanced analytics, forecasting, trend analysis, and continuous improvement efforts, the position directly contributes to reducing losses, improving recovery performance, strengthening compliance, supporting enterprise risk management objectives, and enhancing the overall financial performance of the Credit Union. The incumbent must consistently demonstrate sound judgment, strong analytical capabilities, exceptional attention to detail, and the ability to communicate complex information to all levels of the organization while managing multiple competing priorities and meeting critical deadlines.

Requirements

Bachelor's degree in business-related, analytics, finance, risk, compliance, technology, or similar field is preferred.
A minimum of four years of analytical, reporting, compliance, risk, financial services, or comparable experience may substitute for the preferred degree. Work experience may substitute for college education on a one-for-one basis.
Experience preparing high-level financial, delinquency, performance, or operational reports and presenting findings to management is required.
Advanced proficiency in Microsoft Excel, including pivot tables, formulas, data validation, reconciliation, and visual presentation of data; strong working knowledge of Access, PowerPoint, and Word.
Ability to analyze critical data accurately, identify key issues, interpret results, and present recommendations and conclusions clearly and concisely.
Ability to work independently and collaboratively in a high-pressure environment with changing priorities while consistently meeting established deadlines.
Strong written and verbal communication, organization, judgment, problem solving, attention to detail, and follow-through.

Nice To Haves

Experience in a financial institution, lending, collections, recovery, compliance, risk, audit, or decision-support environment is strongly preferred.
Working knowledge of SQL/T-SQL, relational databases, SSRS, Crystal Reports, Power BI, Oracle, or comparable reporting and business-intelligence tools.
SAS experience is a plus.
Experience with KPIs, scorecards, dashboards, operational analytics, quality control, budgeting, forecasting, and statistical analysis.

Responsibilities

Develop, maintain, validate, and enhance reports, dashboards, scorecards, presentations, charts, tables, and other visual tools that communicate operational and financial performance.
Analyze trends, anomalies, risks, service levels, delinquency, charge-offs, write-offs, recoveries, fees, and budget performance; provide clear findings and recommendations to management.
Partner with business leaders, Finance, Accounting, Risk, and technology teams to confirm source data, reconcile results, resolve exceptions, and implement reporting improvements.
Maintain relational data and reporting solutions using approved tools, including Excel, Access, SQL/T-SQL, SSRS, Crystal Reports, Power BI, Data Lake, Databricks or successor applications.
Recommend new or revised reporting methods that improve accuracy, completeness, usefulness, timeliness, and scalability.
Complete recurring regulatory, risk, exception, quality, and control monitoring; document results and escalate anomalies to Loan Administration leadership.
Input and maintain benchmark, control, and monitor results in the Enterprise Risk Management platform, and track agreed corrective actions through resolution.
Review departmental procedures, letters, account activity, operational controls, and supporting documentation for adherence to internal standards, audit requirements, and applicable regulatory expectations.
Coordinate or perform quality reviews, operational audits, claims audits, adverse action letter sampling, account reviews, global security reviews, and assigned control validations.
Monitor regulatory and operational changes affecting collection operations, recommend process or reporting changes, and coordinate periodic training or up-training.
Monitor organizational and departmental performance against established goals, service levels, controls, and deadlines.
Identify process gaps, eliminate non-value-added activity, reduce operational risk, and recommend improvements that strengthen member service and financial performance.
Support the Annual Operating Plan and forecasting processes, including analysis of charge-offs, write-offs, fees, delinquency, and departmental expenses.
Participate in strategic initiatives, system changes, procedure updates, departmental goal setting, training development, and special projects.
Administer assigned collection and workforce applications, including user access, team and queue assignments, parameters, skill levels, monitoring forms, reporting, data balancing, troubleshooting, and upgrade recommendations.
Coordinate with technology partners and vendors to resolve data availability, reporting, transmission, or system issues and document impacts to recurring deliverables.
As first line of defense, proactively help identify, assess, manage, and report risks within their domain of work.
Maintain vigilance in safeguarding operations while ensuring compliance with regulatory mandates.