Credit Analysis Manager jobs in the United States

As the nation's largest community credit union, we begin every day focused on delivering superior financial products and services for our 1.3 million members and more than $30 billion in managed assets. Our work has an economic impact as we support our members' financial goals. We are unapologetic about being devoted to our members and the communities we serve. Our business is guided by our people helping people philosophy – which includes our team members. 

BECU has been in business for more than 85 years, driven by unwavering core values and a dedication to improving the communities we serve. While we have a rich history, the future of our company, accelerated by business and technology transformation, is even brighter. There's never been a better time to work for BECU.

To learn more visit becu.org/careers.

PAY RANGE

BENEFITS

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage.  Employees have access to disability and AD&D insurance.  We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees.  Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan.  Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here.

IMPACT YOU’LL MAKE:

As a Credit Risk Analysis Manager at BECU, you'll play a pivotal role in safeguarding and enhancing the financial health of our Real Estate portfolios. Imagine leading the charge in discovering and mitigating risks, shaping our credit policies, and influencing key decisions that drive our success. Your analytical expertise will not only help us adhere to high standards but also foster growth through innovative risk management strategies. Your insights will be crucial in guiding our risk analysis and reporting frameworks, ensuring that every decision is informed and impactful. Here, your contributions will make a real difference in our journey, and you'll be empowered to grow alongside us.

WHAT YOU’LL DO:

• Risk Process Investigation: Dive into risk management processes by reviewing data and engaging with business unit personnel to validate and improve practices.

• In-Depth Credit Risk Analysis: Conduct detailed credit risk analysis on loan portfolios and subpopulations to uncover potential threats and opportunities. This includes evaluating origination decisions, credit profiles, and management strategies.

• Statistical Analysis & Modeling: Analyze and model current risk management strategies to monitor their effectiveness and explore opportunities for advancement.

• Scorecard Enhancement: Perform statistical analysis to optimize the use of industry or custom scorecards for various risk strategies including origination and account management.

• Credit Risk Interpretation: Examine credit risk analysis and craft narratives for senior Credit Risk Management and leadership to make informed decisions.

• Presentations to Credit Committee: Present your findings and recommendations to the Credit Committee as needed, providing clear and actionable insights.

• Leadership Collaboration: Partner with Executive and Senior Leadership to adapt the risk appetite and support credit risk initiatives across different areas including origination, campaigns, and collections.

• Department Initiatives: Lead department initiatives and administration, working closely with the leadership team to drive success.

• Mentoring: Provide guidance and training to junior Credit Risk staff, fostering their professional development.

• Documentation & Procedures: Ensure all functions within your areas of responsibility are documented and up-to-date.

• Vendor Management: Oversee vendor contracts to ensure quality and cost-effective service for BECU members.

• Operational Reporting: Maintain and execute necessary operational audits and management information reporting.

• Program Design: Collaborate with internal and external resources to design programs that advocate for employees and members.

This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU’LL GAIN:

• Opportunity to lead and influence key credit risk strategies and policies.

• A dynamic work environment where your ideas are valued and implemented.

• Continuous learning and professional development.

• Collaboration with senior leaders and cross-functional teams.

• A chance to make a tangible impact on BECU’s financial health and success.

QUALIFICATIONS:

Minimum Qualifications:

• Bachelor’s degree in quantitative or business field.

• Minimum 7 years of related credit risk analytics experience.

• Experience with quantitative software and database querying tools (e.g., SAS, SQL, Python).

• Experience with data visualization and presentation development software (e.g., Tableau, PowerBI, PowerPoint).

Desired Qualifications:

• Advanced degree.

• Previous experience in Mortgage and Home Equity credit risk analytics.

• Proficient in building cohesive cross-functional teams and facilitating collaborative decision-making.

• Excellent project management skills.

• Proven ability to collect pertinent data, establish facts, and draw valid conclusions.

• Proficient PC skills (Microsoft Office, Excel, Word) with the ability to learn new software quickly.

JOIN THE JOURNEY:

Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney

EEO Statement:

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.