Senior Credit Risk Oversight Analyst - Remote

CardWorks, Inc.; South Jordan (UT); Hybrid; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical, Dental, and Vision (plus much

401(k) Plan with Company Match

Paid Vacation and Sick Days

Short- & Long-Term Disability

Job summary

Merrick Bank, a subsidiary of CardWorks Financial Group, is seeking a Senior Analyst, Credit Risk Oversight in a remote/hybrid capacity in the United States (South Jordan, UT area). The role supports the Bank’s second line of defense with portfolio risk analysis, monitoring emerging credit trends, and developing executive-level risk reporting.

The position reports to the Director, Credit Risk Oversight and collaborates across first- and second-line functions to provide independent risk

Qualifications

• Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Engineering, or quantitative discipline is required.
• Master's degree (MBA, Economics, Statistics or related field) is preferred.
• Two (2) years of experience in credit risk, consumer lending, portfolio analytics, financial analysis, or related analytical risk disciplines.
• Experience developing performance reporting, portfolio monitoring, or credit risk analysis is preferred.

Responsibilities

• Monitors consumer lending portfolio performance, credit trends, forecast outcomes, and key risk indicators.
• Conducts analysis to identify emerging risks, adverse trends, variances from expectations, and potential risk appetite concerns.
• Coordinates the development of the quarterly Credit Oversight Report and supporting materials.
• Produces recurring and ad hoc reporting, synthesizing portfolio performance, forecast results, credit decisions, and emerging risks into clear, actionable insights for management and governance committees.
• Supports independent assessment of portfolio risk, CECL forecasts, and material credit decisions.
• Develops and maintains portfolio monitoring tools, dashboards, and analytical frameworks used to assess portfolio health and identify early warning indicators.
• Performs analytical reviews of assumptions, methodologies, and performance drivers supporting credit forecasts and credit decisions.
• Collaborates across first- and second-line functions to gather information, understand portfolio developments, and support effective risk oversight.

Skills

Credit risk knowledge

Analytical skills

Risk reporting & communication

Data visualization & reporting

Attention to detail

Organizational skills

Education

Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Engineering, or quantitative discipline

Master's degree (MBA, Economics, Statistics or related field)

Tools

Power BI

Tableau

SQL

Excel

SAS

Python

Job description

Merrick Bank, a subsidiary of CardWorks Financial Group, is seeking a Senior Analyst, Credit Risk Oversight in a remote/hybrid capacity in the United States (South Jordan, UT area). The role supports the Bank’s second line of defense with portfolio risk analysis, monitoring emerging credit trends, and developing executive-level risk reporting.

The position reports to the Director, Credit Risk Oversight and collaborates across first- and second-line functions to provide independent risk