Risk Compliance & Decision Support Analyst

vystarcu; Jacksonville (TX); On-site; USD 85,000 - 120,000; Full time

Benefits offered by this job

401(k) Plan

Tuition reimbursement

Technical & on-the-job training

Paid time for training

Job summary

VyStar Credit Union seeks an experienced Risk Compliance & Decision Support Analyst to drive reporting, analytics, and governance across Loan Administration. You will develop dashboards, validate data, and provide decision-support insights to leadership.

The role partners with Finance, Accounting, Risk, and IT to ensure data quality, regulatory compliance, and effective performance management. A strong analytical mindset is essential.

Responsibilities

• Develop, maintain, validate, and enhance reports, dashboards, scorecards, presentations, charts, tables, and other visual tools that communicate operational and financial performance.
• Analyze trends, anomalies, risks, service levels, delinquency, charge-offs, write-offs, recoveries, fees, and budget performance; provide clear findings and recommendations to management.
• Partner with business leaders, Finance, Accounting, Risk, and technology teams to confirm source data, reconcile results, resolve exceptions, and implement reporting improvements.
• Maintain relational data and reporting solutions using approved tools, including Excel, Access, SQL/T-SQL, SSRS, Crystal Reports, Power BI, Data Lake, Databricks or successor applications.
• Recommend new or revised reporting methods that improve accuracy, completeness, usefulness, timeliness, and scalability.
• Complete recurring regulatory, risk, exception, quality, and control monitoring; document results and elevate anomalies to Loan Administration leadership.
• Input and maintain benchmark, control, and monitor results in the Enterprise Risk Management platform, and track agreed corrective actions through resolution.
• Review departmental procedures, letters, account activity, operational controls, and supporting documentation for adherence to internal standards, audit requirements, and applicable regulatory expectations.
• Coordinate or perform quality reviews, operational audits, claims audits, adverse action letter sampling, account reviews, global security reviews, and assigned control validations.
• Monitor regulatory and operational changes affecting collection operations, recommend process or reporting changes, and coordinate periodic training or up-training.
• Monitor organizational and departmental performance agains

Skills

Reporting

Analytics

Risk Management

Decision Support

Dashboards

Tools

Excel

Access

SQL/T-SQL

SSRS

Crystal Reports

Power BI

Data Lake

Databricks

Job description

Risk Compliance & Decision Support Analyst

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

ACCOUNTABILITY STATEMENT

The Risk, Compliance & Decision Support Analyst serves as a strategic resource for Loan Administration leadership by providing comprehensive analytical, compliance, risk management, and decision-support expertise. This role is responsible for identifying, evaluating, monitoring, and reporting trends, risks, operational performance, and loss mitigation opportunities across all areas of Loan Administration, including collections, recoveries, asset liquidation, bankruptcies, loan modifications, legal processes, payment posting, and portfolio management. The incumbent conducts in-depth analyses of operational, financial, and portfolio performance data to identify emerging risks, improve business outcomes, enhance operational efficiency, and support strategic decision-making. This position plays a critical role in ensuring the accuracy, integrity, and governance of departmental reporting, metrics, dashboards, forecasts, and performance scorecards used by senior leadership to assess portfolio health, regulatory compliance, operational effectiveness, staffing needs, and financial performance. The analyst partners closely with leadership, Finance, Accounting, Enterprise Risk Management, Audit, Information Technology, and other business units to develop solutions, implement controls, and ensure alignment with organizational objectives. The incumbent is responsible for monitoring compliance with internal policies, regulatory requirements, audit expectations, and risk management standards while identifying control weaknesses, operational inefficiencies, and potential loss exposures. This role supports the development and execution of corrective action plans, risk mitigation strategies, process improvements, and business initiatives designed to strengthen operational controls and improve member outcomes. Additionally, the analyst serves as a subject matter expert for reporting systems, data integrity, process automation, performance management, and regulatory monitoring. Through advanced analytics, forecasting, trend analysis, and continuous improvement efforts, the position directly contributes to reducing losses, improving recovery performance, strengthening compliance, supporting enterprise risk management objectives, and enhancing the overall financial performance of the Credit Union. The incumbent must consistently demonstrate sound judgment, strong analytical capabilities, exceptional attention to detail, and the ability to communicate complex information to all levels of the organization while managing multiple competing priorities and meeting critical deadlines.

ESSENTIAL JOB DUTIES

Reporting, Analytics & Decision Support

• Develop, maintain, validate, and enhance reports, dashboards, scorecards, presentations, charts, tables, and other visual tools that communicate operational and financial performance.
• Analyze trends, anomalies, risks, service levels, delinquency, charge-offs, write-offs, recoveries, fees, and budget performance; provide clear findings and recommendations to management.
• Partner with business leaders, Finance, Accounting, Risk, and technology teams to confirm source data, reconcile results, resolve exceptions, and implement reporting improvements.
• Maintain relational data and reporting solutions using approved tools, including Excel, Access, SQL/T-SQL, SSRS, Crystal Reports, Power BI, Data Lake, Databricks or successor applications.
• Recommend new or revised reporting methods that improve accuracy, completeness, usefulness, timeliness, and scalability.

Risk, Compliance & Quality Control

• Complete recurring regulatory, risk, exception, quality, and control monitoring; document results and elevate anomalies to Loan Administration leadership.
• Input and maintain benchmark, control, and monitor results in the Enterprise Risk Management platform, and track agreed corrective actions through resolution.
• Review departmental procedures, letters, account activity, operational controls, and supporting documentation for adherence to internal standards, audit requirements, and applicable regulatory expectations.
• Coordinate or perform quality reviews, operational audits, claims audits, adverse action letter sampling, account reviews, global security reviews, and assigned control validations.
• Monitor regulatory and operational changes affecting collection operations, recommend process or reporting changes, and coordinate periodic training or up-training.

Performance Management, Planning & Process Improvement

Monitor organizational and departmental performance agains