Credit Analyst

About the role

The Credit Analyst supports UFCU’s Lending Team and Credit Council by delivering high-quality, insight-driven analysis across consumer, mortgage, and business lending portfolios. This hybrid role blends lending analytics, credit risk evaluation, and operational reporting to enhance decision quality and ensure safe, sound, member-centric lending. The Credit Analyst plays a pivotal role in UFCU’s digital business design by synchronizing data, processes, and people across silos, improving the accuracy, transparency, and speed of credit-related decisions.

Responsibilities

• Produce timely, accurate analytics for loan portfolios, including delinquency, charge-off trends, loan mix, exception rates, and credit tier performance.
• Support development and maintenance of portfolio dashboards using data visualization tools (e.g., Power BI).
• Conduct trend analysis on credit quality, origination, risk migration, and evaluate performance of scoring models to enhance credit decisioning.
• Provide underwriting and pricing insights based on risk-adjusted return and member behavior metrics.
• Own preparation of the quarterly Credit Council packet with CLO.
• Validate all KRIs and KPIs for accuracy, completeness, and consistency with Enterprise Risk Management.
• Partner with Lending, Finance, and Compliance to ensure reports reflect up-to-date policy, regulatory, and CECL considerations.
• Present analytical findings clearly and tactfully to support strong cross-functional discussion.
• Support CECL modeling inputs, stress-testing routines, and static pool performance analysis.
• Help ensure compliance with NCUA requirements and internal policy standards through data and analytic support.
• Support independent loan review preparation and quality control metrics.
• Work closely with internal partners (Lending, ERM, Finance, Compliance, Technology) to ensure data alignment and decision-quality improvements.
• Demonstrate strong relational skills and tactful communication to support constructive, trust-centered dialogue.
• Serve as a connector across silos, enabling decision coordination and shared understanding in support of UFCU’s digital business design.
• Recommend improvements to underwriting standards, exception processes, and automated decisioning rules based on data insights.
• Identify data gaps and propose enhancements to systems, reporting structures, and workflows.
• Support development of a scalable analytics framework that adapts to UFCU’s evolving lending strategies and digital offerings.

Requirements

• Minimum Requirements: Bachelor’s degree in Finance, Economics, Business, Data Analytics, or a related field required. Minimum 2–4 years of experience in lending, credit analytics, risk management, or financial analysis. Strong analytical and quantitative skills, with proficiency in portfolio analysis, risk modeling, and operational reporting. Experience with data analytics tools and reporting platforms (e.g., Excel, SQL, Tableau, Power BI); experience with digital lending tools is a plus. Must be bondable.
• Preferred Requirements: Experience in a credit union or regulated financial institution preferred.

Qualifications

• Strong proficiency with Excel and experience with SQL and business intelligence tools (e.g., Power BI, Tableau).
• Familiarity with CECL methodologies, loan origination systems, and portfolio management tools.
• Strong quantitative reasoning and ability to synthesize complex information into clear, actionable insights.

Skills

• High personal standards, discipline, and follow-through.
• Analytical discernment — able to evaluate ideas and proposals with balanced, practical judgment.
• Relationship-oriented communicator who builds trust across teams.
• Calm, steady presence with resilience under pressure.
• Commitment to UFCU’s member-centric mission and collaborative culture.

Core Competencies

• Demonstrating Member Obsession: Puts themselves in the Member’s shoes, looks for friction points, makes it personalized and easy.
• Demonstrating Performance Excellence: Sets standards for elevating excellence, ensures elevated quality, takes responsibility, conducts continuous improvement.
• Demonstrating Innovation: Challenges current thinking, approaches change with a positive mindset.

Benefits

This role offers competitive compensation, comprehensive benefits package, and opportunities for growth and development within UFCU’s dynamic and supportive environment.

Pay

Competitive salary commensurate with experience.

Schedule

This is a hybrid role with frequent onsite at UFCU Plaza in Austin, Texas. Overtime and evening/weekend hours may be required.