Associate Credit Review Data Scientist

SECU; Wake Forest (NC); Hybrid; USD 70,000 - 100,000; Full time

Job summary

SECU is seeking a Loan Analytics Associate Data Scientist to collaborate with senior team members to build predictive models across loan portfolios and develop complex reports and dashboards from multiple data sources. The role emphasizes data-driven recommendations and strong analytical problem solving.

The position supports hybrid work as needed by department, with focus on delivering actionable insights to regulators and vendors while communicating effectively at multiple levels of the

Qualifications

• Four-year degree or equivalent required.
• 0–2 years of experience.
• Strong analytical, problem-solving, and communication skills.
• Ability to define complex business problems and deliver data-driven insights.
• CRISP-DM methodology knowledge and application experience.

Responsibilities

• Collaborate with Senior Data Scientists to develop ML models and forecasts for loan portfolio metrics (delinquency, default, origination).
• Extract data from core systems and data warehouse, and create reports and dashboards.
• Identify data quality issues and adjust analyses accordingly.
• Support operations with routine report writing, validation, and analyses.

Skills

Data analytics

Communication

Collaboration

CRISP-DM

Education

Four-year degree

High school diploma or equivalent

Tools

SQL

R

Python

SAS

WebFOCUS

Power BI

SSRS

Tableau

Excel

Job description

If you are motivated and believe in the credit union philosophy of "People Helping People," join our team!
The Loan Analytics Associate Data Scientist will work with senior members of the department to develop, implement, and monitor predictive models across all loan portfolios. This position will also develop complex reports and dashboards from multiple data sources using a variety of software tools to analyze and generate data-driven insights and recommendations based on those data.
Essential Responsibilities:

• (40%) Work with Senior Data Scientists to develop machine learning models and forecasts for various aspects of loan portfolios including delinquency, default, and new loan origination using validated statistical and machine learning methodologies.
• (30%) Perform routine extracts of data from core systems (both mainframe and distributed databases) and the enterprise data warehouse and generate reports, advanced analyses, and dashboards using this data.
• (15%) Assist Senior Data Scientists with identifying erroneous or outlier data based on operational knowledge and be able to make sufficient modifications to reports and analyses to account for these data anomalies.
• (15%) Assist operations departments with routine report writing, data validation, and analysis.
  

Required Education & Experience (Knowledge, Skills, & Abilities):

• Four-year degree or high school diploma or equivalent.
• 0 – 2 years of experience.
• Must have a high level of technical aptitude and a passion for analytics, data, and problem solving.
• Must have the ability to define complex business problems and drive the development of analyses resulting in tangible insights and solutions and the ability to communicate effectively orally and in writing with external third parties such as vendors and regulators as well as internally at multiple levels across the organization.
• Must have the ability to work collaboratively with others to define analytical strategies and solutions while also being self-driven to autonomously execute on deliverables.
• Must understand the fundamentals of the Cross Industry Standard Process for Data Mining (CRISP-DM) and apply this process to analytics projects.
  

Preferred Education & Experience (Knowledge, Skills, & Abilities):

• Four year or graduate degree in analytics, computer science, business, statistics, or mathematics.
• 1 – 2 years of direct experience preferred.
• Experience developing reports and dashboards using ibi WebFocus, Microsoft Power BI, Microsoft Report Builder/SSRS, Tableau or other BI and reporting applications is desired. A strong proficiency in the use of Microsoft Office applications, specifically Excel, is needed.
• Experience with SQL and R, Python, SAS, or other data analysis tools or programming languages is preferred.
  

Job Environment & Physical Requirements:

• This is a hybrid role with work from home permitted as determined by departmental needs.
• Typical office environment with background noise from employees, copy machines, and telephones.
• This job entails a substantial amount of sitting, use of hands/fingers to operate a computer keyboard, ability to comprehend verbal instructions/phone calls, and ability to lift up to five pounds.
  

SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.
Disclaimer
State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need.