Lending Credit Analyst

America First Credit Union; United States; Remote; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a skilled Credit Analyst to join their dynamic team. This role is crucial for maintaining a healthy loan portfolio by providing in-depth credit evaluations and risk assessments. You will leverage your expertise in SQL and Python to analyze data and develop insightful visualizations using Tableau. Collaborating with cross-functional teams, you will ensure that credit decisions align with strategic goals and regulatory standards. If you are passionate about financial analysis and want to make a significant impact in a supportive environment, this opportunity is perfect for you.

Qualifications

• 5+ years of experience in credit analysis and lending strategy.
• Proficiency in SQL, Python, and Tableau for data analysis.
• Experience with automated decisioning tools and credit risk assessment.

Responsibilities

• Analyze credit data to assess risk and support lending decisions.
• Prepare detailed reports summarizing findings and recommendations.
• Collaborate with teams to enhance automated decisioning strategies.

Skills

Credit Analysis

Risk Assessment

Investigative Analytics

Financial Analysis

Data Management

SQL

Python

Data Visualization

Collaboration

Process Improvement

Education

Bachelor’s degree in finance

Statistics

Economics

Tools

SQL

Python

Tableau

Job description

Overview

Hiring W@H in AZ, ID, NM, NV, TX, UT, VT, & WA

The Credit Analyst is responsible for conducting in-depth analysis of credit data and evaluating automated decisioning strategies to assess the performance and effectiveness of the automated decision model. This role is vital for maintaining a healthy loan portfolio by providing accurate risk assessments and recommendations, ensuring strategic alignment with the Credit Union's objectives. The Credit Analyst utilizes investigative analytics to uncover key performance indicators and potential risks, supporting the Credit Union's strategic goals through detailed reporting and analysis.

Responsibilities

1. Credit Evaluation: Analyze credit data and automated decisioning strategies to determine the degree of risk involved in extending credit or lending money.
2. Investigative Analytics: Employ advanced investigative analytics to deeply examine credit data, detect anomalies, and uncover underlying risk factors that may not be immediately apparent.
3. Financial Analysis: Review and interpret financial statements, credit reports, and other relevant data to develop comprehensive credit analysis reports.
4. Risk Assessment: Provide risk assessments and recommendations for credit decisions, ensuring alignment with the Credit Union’s risk tolerance and policies.
5. Report Preparation: Prepare detailed reports summarizing findings, risks, and recommendations for loan approvals, renewals, and modifications.
6. Compliance: Ensure all credit analyses adhere to regulatory requirements and internal policies.
7. Data Management: Maintain accurate records of credit analyses and ensure data integrity within the credit management system.
8. Collaboration: Work closely with underwriters, loan officers, and other departments to support the loan origination and monitoring processes.
9. Continuous Improvement: Identify and recommend process improvements to enhance efficiency and accuracy in credit analysis operations.
10. Automated Decisioning Strategy: Collaborate with IT and analytics teams to enhance and implement automated decisioning services, ensuring these strategies align with the Credit Union’s goals and regulatory standards.
11. OKR Oversight: Responsible for the oversight and tracking of applicable Objectives and Key Results (OKRs) for the lending division to ensure alignment with strategic goals.
12. Technical Proficiency: Utilize SQL and Python for coding, querying, and data analysis to support credit risk assessment and reporting needs.
13. Data Visualization: Develop and present data visualizations using Tableau to communicate credit performance and risk insights effectively.
14. Performance Monitoring: Oversee the performance of credit models, ensuring their accuracy and effectiveness, and provide regular updates and interpretations to senior management.

Qualifications

• Minimum of 5 years’ experience in credit analysis, lending strategy, financial analysis, or a related field.
• Demonstrated experience in analyzing and producing visualizations in credit data.
• Proven track record in risk assessment and credit decision-making.
• Experience with automated decisioning tools and strategies.
• Proficiency in utilizing investigative analytics to support credit risk assessment.
• Must have prior experience in deep data analytics measuring operational lending data.
• Must have experience in investigative analytics.
• Proficient in SQL, Python, and Tableau dashboard design for data analysis and visualization.
• Understanding of Credit Union operations, systems and applications.

Education/Certification

• Bachelor’s degree in finance, Statistics, Economics, or a related field.
• Additional education or certifications preferred.

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance and Sales