Lending Analytics & Risk Analyst

Community First Credit Union | Wisconsin; Neenah (WI); On-site; USD 75,000 - 110,000; Full time

Job summary

Community First Credit Union is seeking a Lending Analytics & Risk Analyst to serve as the analytical engine behind our consumer lending team. You will analyze portfolio performance, manage credit risk strategies, and support automated systems used in underwriting to optimize loan growth while maintaining prudent risk controls.

The role requires combining portfolio analytics, credit risk management, and lending operations, with a strong emphasis on delivering actionable recommendations and

Qualifications

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Analytics, or Business preferred.
• 2+ years of experience in consumer lending, credit risk, portfolio analytics, banking, or financial services.
• Strong analytical and quantitative problem‑solving skills.
• Proficiency in advanced spreadsheet modeling.
• Experience working with loan origination systems and lending data.
• Strong written and verbal communication skills.
• Experience managing automated underwriting rules or credit decision engines preferred.
• Knowledge of consumer lending products, credit bureau data, and underwriting practices preferred.
• Experience with data visualization platforms such as Tableau or Power BI preferred.

Responsibilities

• Monitor portfolio performance and risk. Analyze delinquency, default, charge‑off, recovery, and prepayment trends; segment the portfolio by credit score, product, and geography; forecast loan growth and losses; and conduct stress testing and scenario analyses.
• Shape decisioning. Manage and maintain automated underwriting rules within the Loan Origination System, evaluate and optimize credit policies and scorecard thresholds, analyze approval, decline, and funding rates, and test and implement underwriting rule changes.
• Deliver analytics that drive decisions. Build dashboards, reports, and scorecards for lending and executive leadership; analyze loan application funnel metrics; perform ad‑hoc analyses to support strategic initiatives; and use data visualization tools to communicate trends.
• Uphold compliance and governance. Support fair lending, regulatory compliance, and model governance requirements; assist with internal and external audits; and document underwriting policies and analytical methodologies.
• Collaborate across the organization. Partner with Lending, Risk, Finance, Operations, and IT teams; provide analytical support for new product development; and present findings and recommendations to management and executive stakeholders.

Skills

Analytical thinking

Quantitative problem-solving

Advanced spreadsheet modeling

Written and verbal communication

Data visualization experience

Education

Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Analytics, or Business

Equivalent combination of education and experience

Tools

Tableau

Power BI

Loan Origination System (LOS)

Job description

As the Lending Analytics & Risk Analyst with Community First Credit Union, you’ll be the analytical engine behind our consumer lending team — analyzing portfolio performance, managing credit risk strategies, and supporting the automated systems that power our underwriting. This role combines portfolio analytics, credit risk management, and lending operations to optimize loan growth while keeping risk in check.

This role blends sharp analytical thinking with cross‑functional collaboration. If you’re motivated by monitoring portfolio trends, evaluating underwriting effectiveness, and turning data into recommendations that shape how Community First Credit Union lends, this might be your right next step.

As the Lending Analytics & Risk Analyst with CFCU, you will:

• Monitor portfolio performance and risk. Analyze delinquency, default, charge‑off, recovery, and prepayment trends; segment the portfolio by credit score, product, and geography; forecast loan growth and losses; and conduct stress testing and scenario analyses.
• Shape decisioning. Manage and maintain automated underwriting rules within the Loan Origination System, evaluate and optimize credit policies and scorecard thresholds, analyze approval, decline, and funding rates, and test and implement underwriting rule changes.
• Deliver analytics that drive decisions. Build dashboards, reports, and scorecards for lending and executive leadership; analyze loan application funnel metrics; perform ad‑hoc analyses to support strategic initiatives; and use data visualization tools to communicate trends.
• Uphold compliance and governance. Support fair lending, regulatory compliance, and model governance requirements; assist with internal and external audits; and document underwriting policies and analytical methodologies.
• Collaborate across the organization. Partner with Lending, Risk, Finance, Operations, and IT teams; provide analytical support for new product development; and present findings and recommendations to management and executive stakeholders.

We are looking for a combination of:

• Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Analytics, or Business preferred; an equivalent combination of education and experience will be considered.
• 2+ years of experience in consumer lending, credit risk, portfolio analytics, banking, or financial services.
• Strong analytical and quantitative problem‑solving skills.
• Proficiency in advanced spreadsheet modeling.
• Experience working with loan origination systems and lending data.
• Strong written and verbal communication skills.
• Experience managing automated underwriting rules or credit decision engines preferred.
• Knowledge of consumer lending products, credit bureau data, and underwriting practices preferred.
• Experience with data visualization platforms such as Tableau or Power BI preferred.