Credit Risk Analyst

Pennsylvania State Employees Credit Union; Harrisburg (Dauphin County); On-site; USD 60,000 - 80,000; Full time

Job summary

Pennsylvania State Employees Credit Union is seeking a full-time Credit Risk Analyst based in Harrisburg, PA. The role involves analyzing credit risk trends, producing reports, and implementing improvements in the Credit Risk Management unit.

Applicants should have a Bachelor's degree and at least 2 years of experience in Consumer Lending or Credit Risk. The position offers a hybrid work schedule with a minimum onsite requirement of 40%.

Qualifications

• 2 years of experience in Consumer Lending or Credit Risk function required.
• Strong analytical skills to interpret credit risk data.
• Ability to create and analyze reports related to loan performance.

Responsibilities

• Monitor and analyze the credit union loan portfolio.
• Prepare and analyze reports related to risk-based pricing.
• Drive development of Credit Risk Management dashboards.

Skills

Credit Risk Management

Data Analysis

Report Generation

Loan Portfolio Management

Education

Bachelor's Degree

Job description

## Credit Risk AnalystApplyremote type: This position has a minimum onsite expectation of 2 days per week or as neededlocations: Harrisburg, PAtime type: Full timeposted on: Posted Yesterdayjob requisition id: JR100863**Members Achieve More** isn't just a tagline for us, it's part of everything we do! We're looking for passionate individuals to join our team to help us maintain that focus every day. Want to work somewhere that's remained strong for 90 years, that encourages you to learn, grow, and pursue your dreams? If yes, then read on...The Risk Analyst initiates and supports Credit Risk Management analysis and decisions using queries, reports, and visual tools. Produces and analyzes ongoing risk management reports and analyses. Performs ad hoc analysis of Credit Risk trends and portfolio performance, as well as forward-looking analysis. Analyzes effectiveness of credit risk models and strategies and provides insights and recommendations to leadership. Participates in projects impacting Credit Risk Management. Identifies and implements process improvements to enhance the efficiency of the Credit Risk Management unit. Collaborates with others to drive Credit Risk Management initiatives. Reports to the Director of Credit Risk & Data Analytics. Work is performed with a high degree of independence. Schedule: Monday - Friday, 8am -4 or 9am -5pm. This position will be a hybrid model both in person and remote with minimum of onsite expectation of 40% or as needed.In this position, you will* Assist with first-line monitoring of the credit union loan portfolio. Prepare and analyze reports and analyses, and make recommendations related to loan performance, risk-based pricing, decisioning models, underwriting, and portfolio management.* Monitor and trend changes to the loan portfolio and application quality with regard to business process changes and Credit Risk initiatives. Analyze the impact of changes to assess success and effectiveness and evaluate & recommend adjustments with the goal of mitigating risk while promoting growth.* Drive the ongoing development of Credit Risk Management Dashboards and Reports to support Credit Risk initiatives and the ongoing analysis of Credit Risk Models, Loan Performance, Application Quality, Risk-Based Pricing, and other Credit Risk strategies and initiatives. Identify opportunities to convert ad-hoc and* Represent Credit Risk Management within departmental and organizational projects & initiatives. Support requirements development, analysis, and implementation in relation to Credit Risk.* Perform ad-hoc analysis of prospective changes related to Credit Risk and present findings and recommendations to management. Work collaboratively with key stakeholders to ensure changes are approved, documented, and implemented.* Other duties as assigned.**Qualifications:**BS (Required)Any equivalent combination of experience and education. | RequiredTwo years’ experience in Consumer Lending or Credit Risk function. | Required