Sr Credit Risk Analyst

BECU•St. David's, WA

1d•$82,900 - $154,000•Hybrid

About The Position

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we’re proud of our history, we’re even more excited about our future. With business and technology transformation on the horizon, there’s never been a better time to be part of BECU. You bring more than your expertise to your role, and that matters here. Your story, perspectives, and lived experiences help shape belonging at BECU and deepen how we connect with and support our employees, our members, and our communities.

Requirements

Bachelor's degree in quantitative or business field, or equivalent experience required.
Minimum 5 years of related functional experience in credit risk analytics required.
Advanced experience using quantitative software and database querying tools (ex. SAS, SQL, Python) required.
Advanced experience using presentation development software (ex. Tableau, PowerBI, PowerPoint) required.
Proficient PC skills (Microsoft Office, Excel, Word, ect.) with the ability to learn new software quickly required.
Previous experience with analysis of portfolio performance and articulating results and desired outcomes from a risk management perspective required.
Demonstrated experience building cohesive cross-functional teams and facilitating collaborative decision making required.
Demonstrated ability to collect pertinent data, establish facts and draw valid conclusions as well as formulate ideas and recommendations required.
Demonstrated ability to work independently and as a team member while using discretion in decision making and sound judgment in problem solving required.
Ability to translate analytics into strategic business outcomes and influence decision-making through data.
Presentation, storytelling, and stakeholder management skills.
Verbal and written communication skills.

Nice To Haves

Advanced degree preferred.
Banking, credit union, fintech, or broader financial services experience.
Experience supporting business lending, commercial lending, consumer lending, credit card, mortgage, or auto portfolios.
Experience supporting credit policy development and risk governance initiatives.
Previous experience in the financial serviced industry preferred.
Previous project management experience preferred.

Responsibilities

Analyze Portfolio Performance: Use SQL, SAS, Python, and other analytical tools to evaluate lending portfolio performance, identify trends, uncover risks and opportunities, and support data-driven credit strategy decisions.
Deliver Actionable Insights: Transform complex data into clear recommendations that influence credit policies, lending strategies, risk management practices, and portfolio growth initiatives.
Own Portfolio Reporting: Develop, maintain, and enhance recurring and ad hoc reporting, including quarterly portfolio reviews covering exposure, balances, product performance, and portfolio health.
Support Credit Strategy & Governance: Partner with Credit Risk leaders to assess new lending strategies, policy changes, and portfolio initiatives while supporting effective risk governance and monitoring practices.
Influence Business Decisions: Present findings and business implications to stakeholders, helping leaders make informed decisions based on analytical evidence and portfolio trends.
Drive Continuous Improvement: Identify opportunities to streamline reporting, improve analytical processes, increase efficiency, and enhance overall business value.
Lead Work Independently: Manage projects and analytical initiatives from data discovery through recommendations while building strong partnerships across the organization.