Credit Risk Analytics Manager

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Overview

The Credit Risk Analytics Manager is responsible for developing and maintaining the analytical framework used to monitor and assess the Credit Union's commercial, consumer, and mortgage loan portfolios. The position serves as the primary resource to the Chief Credit Officer for portfolio analytics, credit performance measurement, concentration monitoring, data validation, and management reporting.

The Manager transforms lending and servicing data into clear, actionable risk intelligence. The position identifies emerging trends, investigates underlying drivers, evaluates performance against approved limits and risk tolerances, and recommends appropriate monitoring, underwriting, policy, or process responses for consideration by the Chief Credit Officer.

This position supports executive management, Board, committee, audit, and regulatory reporting. It works collaboratively with Commercial Lending, Centralized Lending, Mortgage, Loan Servicing, Member Solutions, Finance, Compliance, Enterprise Risk Management, Analytics, and other stakeholders. The Chief Credit Officer retains responsibility for credit risk appetite, final policy direction, and material risk decisions.

Responsibilities

Portfolio Risk Analytics

• Analyze commercial, consumer, and mortgage portfolio performance, including balances, originations, runoff, utilization, delinquency, nonaccrual activity, charge-offs, recoveries, modifications, risk ratings, policy exceptions, and concentrations.
• Perform trend, variance, migration, vintage, segmentation, and comparative analyses to identify developing risks and changes in credit quality.
• Evaluate performance by relevant dimensions, including product, collateral type, geography, industry, borrower relationship, risk grade, credit score range, origination channel, loan vintage, maturity, and other available risk attributes.
• Identify material changes, anomalies, and emerging risk indicators; investigate potential causes and clearly distinguish confirmed findings from matters requiring further validation.
• Monitor criticized and classified assets, watch-list relationships, policy exceptions, and other higher-risk portfolio segments.
• Support targeted portfolio reviews, sensitivity analysis, scenario analysis, and stress testing as directed by the Chief Credit Officer.
• Risk Reporting and Decision Support
• Develop and maintain recurring credit risk dashboards, scorecards, trend reports, and management reporting packages.
• Prepare concise reporting and analysis for the Chief Credit Officer, executive management, applicable committees, and the Board of Directors.
• Translate analytical findings into practical recommendations, including enhanced monitoring, underwriting changes, revised policy limits, approval controls, pricing considerations, data remediation, targeted reviews, or training.
• For significant findings, clearly explain what changed, why it matters, the affected portfolio segments, potential drivers, available management responses, and the recommended course of action.
• Assist the Chief Credit Officer in evaluating new products, underwriting changes, participation opportunities, acquired portfolios, strategic initiatives, and changing economic conditions.
• Develop and maintain key risk indicators and escalation thresholds that support timely credit risk oversight.
• Concentration and Limit Monitoring
• Monitor exposure against Board-approved concentration limits, policy limits, management thresholds, and risk tolerances.
• Prepare commercial real estate, industry, geographic, product, relationship, participation, unsecured, construction, business-purpose residential, and other applicable concentration reporting.
• Project portfolio growth and limit utilization to identify potential pressure before a threshold or limit is reached.
• Validate that reported definitions and calculations align with approved policy and documented methodologies.
• Escalate potential limit breaches, significant concentration trends, or material reporting discrepancies to the Chief Credit Officer.
• Data Governance and Reporting Integrity
• Validate the accuracy, completeness, consistency, and reasonableness of data used in credit risk, concentration, policy-limit, examination, and Board reporting.
• Perform reconciliations among core system records, loan origination and servicing systems, financial reporting, and management reports.
• Review material reporting fields, including loan purpose, collateral description, lien status, NAICS code, CRE indicator, risk rating, maturity, delinquency status, participation status, and exception designation.
• Maintain data dictionaries, metric definitions, calculation methodologies, data-source documentation, report ownership, validation procedures, and known limitations.
• Partner with operational and technical stakeholders to investigate discrepancies and recommend improvements to data capture, reporting controls, dashboards, and governance processes.
• Policy and Risk Framework Support
• Provide analytical support for the development and annual review of commercial, consumer, mortgage, concentration, and related credit risk policies.
• Assess whether portfolio performance, exception trends, market conditions, or risk indicators indicate that policy limits, underwriting standards, approval authorities, or monitoring requirements should be reconsidered.
• Prepare data-driven policy impact analyses and recommendations for the Chief Credit Officer.
• Validate that management reporting, risk definitions, and monitoring practices remain aligned with approved policies.
• Support policy exception and waiver reporting by analyzing frequency, type, approving authority, portfolio segment, performance, and recurring themes.
• Assist with documentation of policy rationale, quantitative support, monitoring expectations, and post-implementation results.
• Examination, Audit, and Committee Support
• Prepare portfolio analytics, concentration reports, data reconciliations, metric documentation, and supporting schedules for NCUA examinations, internal audits, external audits, and independent loan reviews.
• Respond to assigned information requests and maintain organized, examination-ready analytical documentation.
• Support tracking and validation of remediation commitments related to credit reporting, data quality, concentrations, or portfolio monitoring.
• Assist in preparing presentations, executive summaries, and supporting analysis for management and governance committees.
• Clearly explain analytical methodologies, assumptions, findings, and limitations to internal and external reviewers.
• Collaboration and Continuous Improvement
• Work with Commercial Lending, Centralized Lending, Mortgage, Loan Servicing, Member Solutions, Finance, Compliance, Enterprise Risk Management, Analytics, Internal Audit, and Information Technology to strengthen credit risk reporting and oversight.
• Exercise professional skepticism and respectfully challenge unsupported assumptions, inconsistent data, or conclusions that do not align with available evidence.
• Identify opportunities to automate recurring reports, improve controls, simplify workflows, and increase the timeliness and usefulness of credit risk information.
• Develop job aids and documentation that promote consistent understanding of risk metrics, report definitions, and monitoring expectations.
• Protect confidential member, borrower, employee, and organizational information and perform all responsibilities with integrity and objectivity.
• Perform other duties as assigned, ensuring accountability and alignment with organizational objectives.

Required

• Bachelor's degree in finance, accounting, economics, business administration, data analytics, risk management, or a related field.
• 6+ years of relevant experience in credit risk analytics, portfolio management, credit administration, underwriting, loan review, financial analysis, data analytics, or financial institution risk management.
• Demonstrated ability to analyze lending or financial data, identify meaningful trends, evaluate risk implications, and present an evidence-based recommendation.
• Advanced proficiency in Microsoft Excel, including pivot tables, lookup functions, Power Query, data reconciliation, data modeling, and trend analysis.
• Experience developing management reports, dashboards, scorecards, or portfolio monitoring tools.
• Strong analytical judgment, technical writing, organization, attention to detail, and verbal communication skills.
• Ability to communicate complex analytical findings clearly to executive, operational, audit, and regulatory audiences.

Preferred

• Experience with a credit union, community bank, or other regulated financial institution.
• Knowledge of commercial, consumer, and mortgage lending practices and credit risk indicators.
• Experience with Power BI, SQL, Tableau, business intelligence platforms, core banking systems, loan origination systems, or portfolio monitoring tools.
• Experience with concentration analysis, criticized or classified assets, delinquency migration, vintage analysis, policy exceptions, loan modifications, CECL support, or portfolio stress analysis.
• Familiarity with NCUA regulations, regulatory examinations, internal audit, independent loan review, or Board-level credit risk reporting.
• Relevant certification or professional development in credit, financial risk, data analytics, audit, compliance, or financial services.
• Equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities.