Senior Credit Risk Analyst — Hybrid Role with Impact

Workers Credit Union; Littleton (MA); Hybrid; USD 95,000 - 119,000; Full time

Benefits offered by this job

Comprehensive medical, dental and vis

Life and AD&D insurance

Paid time off

Volunteer time off

Holidays

401(k) Safe Harbor Match

Tuition Reimbursement

Mental health resources (EAP)

Learning and development programs

Job summary

Workers Credit Union in Littleton, MA, is seeking a Senior Credit Risk Analyst to support credit risk management through portfolio analysis, reporting, and policy support. This role partners with lending, finance, risk management, and other areas to identify emerging risks and strengthen risk practices.

The position emphasizes governance, policy development, and cross-functional collaboration, with a hybrid work environment and a compensation range aligned to the Pay Grade Scale.

Qualifications

• 5-7+ years of related experience within a financial institution, preferably involving lending, credit analysis, loan review, credit risk management, or related lending experience.
• Bachelor's degree in business, finance, economics, accounting, or a related field required.
• 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 Office products, particularly Excel.
• Experience with loan analytics, reporting, or credit risk systems is desirable.

Responsibilities

• Credit Risk Analysis, Monitoring, and Reporting: 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.

Skills

5-7+ years of related experience

Bachelor's degree in business/finance

Strong analytical and problem-solving

Advanced knowledge of lending and risk

Excel proficiency

Education

Bachelor's degree in business, finance, economics, accounting

Tools

Excel

Job description

Workers Credit Union in Littleton, MA, is seeking a Senior Credit Risk Analyst to support credit risk management through portfolio analysis, reporting, and policy support. This role partners with lending, finance, risk management, and other areas to identify emerging risks and strengthen risk practices.

The position emphasizes governance, policy development, and cross-functional collaboration, with a hybrid work environment and a compensation range aligned to the Pay Grade Scale.