Senior Credit Risk Management Analyst, C

Description

Schedule
Monday - Friday 8-5 (40 hrs)
What You'll Do
Job Summary:

The Senior Analyst, Credit Risk is responsible for performing advanced credit risk analysis, portfolio monitoring, and reporting to support the organization's Second Line of Defense (2LOD) credit risk management function. This role evaluates credit performance, supports risk governance activities, and provides insights to ensure alignment with the organization's risk appetite, regulatory expectations, and strategic objectives.

The Senior Analyst operates independently on complex assignments, providing data-driven insights, identifying emerging risks, and supporting effective challenge of first line lending practices and portfolio strategies.

Essential Functions:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Analyze credit portfolio performance across consumer and commercial portfolios, including credit quality, concentrations, migration trends, and loss performance
Monitor and report on key credit risk indicators (KRIs/KPIs), identifying trends, emerging risks, and areas of concern
Support the Allowance for Credit Losses (ACL) / CECL process, including data analysis, validation of assumptions, and review of outputs
Perform stress testing and scenario analysis to evaluate potential impacts on portfolio performance, earnings, and capital
Evaluate underwriting practices, portfolio strategies, and credit risk frameworks, providing insights and effective challenge where appropriate
Support development of credit risk reporting, including materials for leadership, risk committees, and governance forums
Analyze large data sets to generate actionable insights and support decision-making across credit risk functions
Assist in maintaining and enhancing credit risk policies, procedures, and governance documentation
Support credit model oversight and governance, including monitoring performance and identifying potential limitations in coordination with Model Risk Management
Participate in regulatory exams, internal audits, and credit reviews, including preparation of analysis, documentation, and responses
Partner with Finance, Lending, and Risk teams to support portfolio analysis, forecasting, and risk assessments
Identify opportunities to improve credit risk analytics, reporting processes, and data quality
Stay informed on regulatory expectations, industry trends, and emerging credit risks

Typical Scope:
Applies best practices and knowledge of internal/external business challenges to improve products, processes or services. Is accountable for small projects or programs with manageable risks and resource requirements. Resolves difficult and complex problems using judgment and analysis; contributes to problem solving in collaborative settings. Interprets policies and adapts them to new situations.
Demonstrates judgment in selecting methods to solve problems that have cross-functional impacts or require balancing competing... For full info follow application link.

DCU is an EEO/AA employer M/F/D/V