Credit Analyst
UFCU, Austin, TX, United States
Job Summary
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.
This role is ideal for someone who is analytical, structured, collaborative, and driven to improve how teams make decisions together — aligned with UFCU's culture of clarity, consistency, and empowerment.
The Credit Analyst reports to the Chief Lending Officer.
Essential Functions
Portfolio & Credit Analytics
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.
Credit Council Packet & Reporting
Own preparation of the quarterly Credit Council packet with the Chief Lending Officer.
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.
Risk Management & Compliance Support
Assist in 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.
Cross‑Functional Collaboration
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.
Process Enhancement & Innovation
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.
Other
Adheres to all company policies, procedures, and business ethics codes.
Completes required regulatory training as assigned.
Maintains strict adherence to and compliance with all laws, rules, regulations, and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti‑Money Laundering, USA Patriot Act, OFAC, and Fair Lending regulations.
Knowledge
Deep understanding of credit risk principles, financial statement analysis, and regulatory requirements.
Familiarity with credit risk models, loan origination systems, and specialized risk assessment software.
Skills
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.
Abilities
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
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.
Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.
Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately.
Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.
This position is a hybrid role and requires frequently working onsite at UFCU Plaza in Austin, Texas.
This position may involve periodic stressful conditions.
May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
May occasionally move from one work location/branch to another.
Public contact position, requiring appropriate professional appearance.
Frequent computer use at a workstation of up to two hours at a time.
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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.
This role is ideal for someone who is analytical, structured, collaborative, and driven to improve how teams make decisions together — aligned with UFCU's culture of clarity, consistency, and empowerment.
The Credit Analyst reports to the Chief Lending Officer.
Essential Functions
Portfolio & Credit Analytics
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.
Credit Council Packet & Reporting
Own preparation of the quarterly Credit Council packet with the Chief Lending Officer.
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.
Risk Management & Compliance Support
Assist in 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.
Cross‑Functional Collaboration
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.
Process Enhancement & Innovation
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.
Other
Adheres to all company policies, procedures, and business ethics codes.
Completes required regulatory training as assigned.
Maintains strict adherence to and compliance with all laws, rules, regulations, and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti‑Money Laundering, USA Patriot Act, OFAC, and Fair Lending regulations.
Knowledge
Deep understanding of credit risk principles, financial statement analysis, and regulatory requirements.
Familiarity with credit risk models, loan origination systems, and specialized risk assessment software.
Skills
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.
Abilities
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
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.
Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.
Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately.
Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.
This position is a hybrid role and requires frequently working onsite at UFCU Plaza in Austin, Texas.
This position may involve periodic stressful conditions.
May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
May occasionally move from one work location/branch to another.
Public contact position, requiring appropriate professional appearance.
Frequent computer use at a workstation of up to two hours at a time.
#J-18808-Ljbffr