Credit Risk Analyst

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

The Target Pay Range for this position is $83,300-$101,700 annually. The full Pay Range is $64,600-$120,600 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

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 Analyst at BECU, you will play a crucial role in driving significant, positive change in our journey. Your contributions will be valued, and your growth will be continually fostered.

What You’ll Do

Perform Data Discovery and Aggregation: Discover and aggregate data from multiple large databases across application, deposit, loan, and default account populations.Develop Actionable Information through Data Analysis: Organize data into appropriate subsets and develop actionable information to identify subpopulations and associated trends.Create Recurring and Ad-Hoc Reporting Suites: Develop credit risk management-centered recurring and ad-hoc reporting suites to enable monitoring of the Consumer, Card, Mortgage, and Business loan portfolios.Conduct In-Depth Credit Risk Analysis: Construct in-depth credit risk analysis of loan portfolios or subpopulations to identify potential threats and/or opportunities.Collaborate on Risk Appetite Changes: Partner with division leadership on changes to the risk appetite through development and support of credit risk initiatives and portfolio origination.Ensure Regulatory Compliance and Operational Execution: Ensure compliance with federal and state regulations and provide in-depth investigations of operational execution.Design and Implement Programs: Partner with internal and external resources to design and implement programs that support employee and member advocacy.

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

Professional Growth OpportunityCollaborative and Innovative Work EnvironmentChance to Elevate Your Career and Skills

Qualifications

Minimum Qualifications

Bachelor's degree in quantitative or business field, or equivalent experienceMinimum 2 years of related functional experience in credit risk or financial data analysisWorking knowledge using quantitative software and database querying tools (e.g. SAS, SQL, Python)Knowledge of presentation development software (e.g. Tableau, PowerBI, PowerPoint)Demonstrated ability to excel and support cohesive cross-functional teams

Desired Qualifications

Previous experience in the financial services industryPrevious project management experienceExperience with analysis of portfolio performance from a risk management perspectiveExcellent verbal and written communication skillsProficient PC skills 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 technological excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney

I hope this meets your requirements! Let me know if there is anything else you need help with.

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.