Senior Credit Risk Analyst - Hybrid Impact & Insight

Automatic Data Processing, Inc.; Littleton (MA); Hybrid; USD 95,000 - 119,000; Full time

Benefits offered by this job

PTO 15+ days per year

Paid holidays

401(k) with match

Tuition reimbursement

Employee Assistance Program (EAP)

Learning & development programs

Job summary

Workers Credit Union in Littleton, MA seeks a Senior Credit Risk Analyst to support credit risk management through portfolio analysis, reporting, and policy guidance. This role partners with lending, finance, and risk teams to identify emerging risks and strengthen risk controls.

You will monitor loan quality, complete annual reviews, and assist with regulatory documentation while advancing the credit risk framework. Hybrid work arrangement with on-site days at our Littleton headquarters.

Qualifications

• 5-7+ years of related experience within a financial institution.
• Bachelor's degree in business, finance, economics, accounting, or a related field.
• Strong analytical and problem-solving skills with the ability to independently analyze and interpret complex financial and credit data.
• Advanced knowledge of lending, credit risk management, loan portfolio analysis, and risk-rating concepts.
• Ability to read, analyze, and interpret applicable laws, regulations, policies, and procedures related to lending and credit risk.
• Detail oriented and highly organized, with the ability to independently manage complex assignments, competing priorities and deadlines.
• Strong written and verbal communication skills, including the ability to prepare clear reports and presentations for Management and committees.
• Ability to influence and collaborate effectively with stakeholders across lending, finance, risk management, and other functional areas.
• Proficiency in Microsoft Excel.
• Experience with loan analytics, reporting, or credit risk systems is desirable.

Responsibilities

• Conducts ongoing analysis and monitoring of the Credit Union's loan portfolios to identify trends, concentrations, emerging risks, and changes in portfolio performance.
• Monitors credit quality indicators, including delinquencies, charge-offs, risk ratings, policy exceptions, collateral trends, and other credit risk metrics.
• Prepares and analyzes recurring credit risk reports for Management, the Risk Oversight Committee, the Board of Directors, and other appropriate stakeholders.
• Performs credit migration analysis, stress testing, benchmarking, and ad hoc credit risk analysis as requested.
• Provides analysis and recommendations to Management regarding portfolio trends and emerging risks.
• Monitors and supports the administration and maintenance of the Credit Union's credit risk rating framework.
• Reviews and analyzes risk ratings and other credit-related information, identifying potential concerns for Management's consideration.
• Monitors annual reviews, renewals, and other credit review requirements to support timely completion.
• Supports and coordinates third-party loan review activities, and follows up on findings, recommendations, and management action plans.
• Performs individual credit or loan reviews as appropriate.
• Supports the development, maintenance, and periodic review of lending and credit risk policies and procedures.
• Monitors and assists with the analysis and reporting of policy exceptions.
• Maintains awareness of applicable regulatory requirements, industry developments, and credit risk management practices.
• Supports credit-related regulatory examinations, audits, third-party reviews, and requests for information by preparing analysis and documentation as needed.
• Prepares materials and supports credit risk discussions for the Risk Oversight Committee and other appropriate Credit Union committees.
• Collaborates with lending, finance, risk management, and other Credit Union areas on credit risk and portfolio matters.
• Provides credit risk analysis and support for organizational initiatives.
• Identifies and recommends opportunities to improve credit risk monitoring, reporting, documentation, and related processes.
• Serves as a credit risk resource to colleagues and business partners and supports knowledge sharing, training, and communication regarding credit risk practices, policies, and underwriting standards.
• Participates in relevant projects, committees, training, and professional development opportunities.

Skills

Credit risk analysis

Loan review

Lending experience

Financial analysis

Regulatory knowledge

Education

Bachelor's degree in business, finance, economics, accounting, or related field

Tools

Excel

Credit risk systems

Job description

Workers Credit Union in Littleton, MA seeks a Senior Credit Risk Analyst to support credit risk management through portfolio analysis, reporting, and policy guidance. This role partners with lending, finance, and risk teams to identify emerging risks and strengthen risk controls.

You will monitor loan quality, complete annual reviews, and assist with regulatory documentation while advancing the credit risk framework. Hybrid work arrangement with on-site days at our Littleton headquarters.