POSITION SUMMARY:

Responsible for identifying, managing, and communicating global credit risks represented in the company’s loan portfolio. Applies knowledge of credit risks to optimize credit product performance to help fuel growth and protect the bank from losses. Identifies, analyzes, develops, and assists in the implementation of process improvement solutions to enable better member and employee experiences. Day to day work will include cash flow analysis, spreading business financials and tax returns, spreading guarantor financials and tax returns, and other commercial underwriting functions. The incumbent will help ensure adherence to all Federal and State laws and regulations applicable to the Credit Union, including the Bank Secrecy Act.

ESSENTIAL FUNCTIONS:

• Analyze and resolve moderately complex issues or escalate as needed
• Responsible for monthly data uploads and reconciliations
• Assist in risk mitigation efforts and decisioning
• Assist in creating credit risk presentations
• Assist in high-level evaluations of risk models
• Development of procedures and procedural attestations
• Quantitative and problem-solving mindset
• Completes other duties and additional Adhoc requests as necessary
• Flexible schedule allowing for office and remote work environment
• Ensures that work area is clean, secure, and well maintained.

Qualifications:

Education/Certification:

• Bachelor's degree in a quantitative field or equivalent combination of experience and education required.

Required Knowledge:

• General understanding of Credit Union loan processes
• Knowledge of related computer applications

Experience Required:

• 3-5 years in Credit, Financial Analysis, Statistical Modeling/ Forecasting, Banking or other directly related experience

Skills/Abilities:

• Proficient in MS Office, Excel
• Strong Analytical Skills
• Excellent Attention to Detail
• Excellent Organizational Skills
• Ability to Work in Team Environment

WORKING CONDITIONS

• Standard office conditions
• Low to moderate noise
• Limited lifting up to 30 lbs.

This description has been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Essential functions, requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

The Credit Union believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this job description is designed to outline primary duties, qualifications, and job scope, but not limit the incumbent. It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of our endeavors.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.