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Job SummaryWe are seeking a motivated and capable Credit Risk Management Analyst to join our growing Credit Risk Management team at Mountain America Credit Union (MACU). Our goal within the Credit Risk Management Program is to protect MACU and create confidence in our health and resilience by ensuring that credit risks are known, clear, communicated, and considered. You will help us accomplish this goal through the job activities listed below.Job DescriptionLOCATION
Mountain America Center - Hybrid
9800 S Monroe St
Sandy, UT 84070
SCHEDULE
Full Time; this is a hybrid schedule with some weekly in office expectation, based on business need.
To be effective, an individual must be able to perform each job duty successfully.
- Assist in assessing the credit risk exposure of the credit union by:
- Partnering with first-line business stakeholders to understand lending products, processes, strategies, and risks.
- Partnering with first- and second-line business stakeholders to review and assess potential credit risks associated with lending portfolios, products, processes, and strategies.
- Identifying and surfacing potential risks and concerns to relevant stakeholders.
- Creating and drafting risk assessments and reports.
- In collaboration with team members, assist business units in the development of remediation plans and timelines for identified risks.
- Reviewing existing reporting and document/communicate any changes or trends within the data analyzed.
- Reviewing loan data on an individual and aggregate basis to determine potential risks, adherence to policy and procedures.
- Assisting in the preparation of reporting to management.
- Supporting the implementation of the Credit Risk Management Program strategy and road map.
- Utilizing judgment, perspective, and ownership in fulfilling job functions.
- Regulatory Compliance:
- Staying up to date on evolving regulatory requirements and expectations, as well as industry best practices for credit risk management.
- Supporting the preparation of regulatory reports and audits related to credit risk.
KNOWLEDGE, SKILLS, and ABILITIES
The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
Experience
- A minimum of 3 years of lending and/or credit analysis in consumer and/or commercial lending, preferably with a financial institution
- Strong understanding of lending products, terms, underwriting criteria, and servicing and liquidation practices
- Additional Preferred Experience:
- Knowledge of applicable credit union laws and regulations related to lending.
Education
- Bachelor’s degree in business, finance or related field required – OR two additional years of progressive work experience in lending, credit analysis, or risk management. Education must be from an accredited institution. Education and work experience will be verified.
Licenses, Certifications, Registrations
None required.
Computer/Office Equipment Skills
- Demonstrated proficient skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel.
- Experience with analytical and reporting software preferred.
Managerial Responsibility
No managerial responsibilities.
Language Skills
- Demonstrated ability to clearly communicate verbally and in writing.
Other Skills and Abilities
- Adaptive to change, responds positively to altered circumstances or conditions.
- Ability to read and interpret federal, state, and NCUA regulations as well as internal policy guidelines related to lending.
- Ability to read, interpret, and analyze financial data and reporting in a variety of formats.
- Ability to manage a risk assessment or project from start to end by carrying out required steps and following those steps to completion.
- Excellent interpersonal skills, including the ability to collaborate with multiple teams.
- Ability to work independently and as part of a team.
- Excellent communication, collaboration, and problem-solving skills.
- Ability and willingness to provide suggestions to improve processes and efficiencies. Able to negotiate and compromise to come to solutions satisfactory to multiple parties.
- Possess a desire and willingness to learn and continually update knowledge of financial concepts, strategies, systems etc.
Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.
Skills Required
- Minimum of 3 years of lending and/or credit analysis in consumer and/or commercial lending
- Strong understanding of lending products, terms, underwriting criteria, and servicing and liquidation practices
- Bachelor's degree in business, finance or related field OR two additional years of progressive work experience in lending, credit analysis, or risk management
- Demonstrated proficient skills with Microsoft Office Suite including Outlook, Word, PowerPoint, and Excel
- Experience with analytical and reporting software
- Demonstrated ability to clearly communicate verbally and in writing
- Ability to read and interpret federal, state, and NCUA regulations and internal policy guidelines related to lending
- Ability to read, interpret, and analyze financial data and reporting in a variety of formats
- Ability to manage a risk assessment or project from start to finish
- Excellent interpersonal, collaboration, and problem-solving skills; ability to work independently and as part of a team; willingness to learn
Mountain America Credit Union Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Mountain America Credit Union and has not been reviewed or approved by Mountain America Credit Union.
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Healthcare Strength — Company materials indicate substantial employer-paid medical coverage with multiple plan options plus HSA/FSA access. Dental and vision are offered at low employee cost, and income-protection benefits like disability and life insurance are included.
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Retirement Support — A 401(k) with company match is available immediately upon enrollment. Feedback suggests retirement benefits are a dependable cornerstone of the package.
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Leave & Time Off Breadth — The program includes numerous paid holidays and PTO that increases with tenure for both full- and part-time staff. Feedback suggests vacation and holiday benefits are a relative strong point.
Mountain America Credit Union Insights
What We Do
It may be our story, but it's all about you. Mountain America Credit Union first opened its doors in the 1930s with a commitment to guiding our members to achieve their financial dreams. Today, our essence—guidance—remains the focal point of our identity. It’s a purpose-driven identity to ensure that everything we do moves you safely along your journey. Call it a path, a trail, or simply a way through. Sometimes it's arrow straight. Other times it has unexpected twists and turns that require knowledge of the road ahead. From wherever you are to where you see yourself going, there is a clear way forward. It's life's financial journey, and we're here to guide you every step of the way. As your financial partner, we'll help outfit you with the tools for the journey ahead—like convenient, flexible products and services designed around how you really live, as well as sound, timely advice to help steer you around any obstacles. This is your journey. Let's begin together, right here. Equal Housing Lender. Insured by NCUA.
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