Senior Credit Portfolio Analyst
Full-time
Company Description
STCU is consistently rated one of the top-performing credit unions in the nation, and has been named one of Fortune Magazines Great Places to Work. We look for employees who have a strong desire to serve others, are lifelong learners, are committed to working hard, have a fun-loving attitude, and who want to make a difference in our members lives. We love people who share our core values: Joyfulness, generosity, belonging, goodness, and striving. We believe in being a force for good in the community, while helping members achieve their financial goals and dreams.
STCU offers excellent benefits:
Paid time offplus 11 paid holidays!
Medical, dental, vision and life insurance
Training and career development
Success sharing plan
401(k) matching contributions
Tuition reimbursement
An overview of the benefits can be found or here:
Salary range: $6,938.53 - $9,713.60 per month
Job Description
The Senior Credit Portfolio Analyst is a strategic partner in overseeing and managing the organizations lending portfolios. This role analyzes complex data to provide actionable insights that shape portfolio strategy, risk management, and executive decisions. Working closely with senior leadership and cross-functional teams, the analyst identifies risks, recommends optimizations, and delivers data-driven solutions to improve portfolio performance. Advanced analytical skills, strong business acumen, expertise in data visualization, and the ability to communicate findings clearly to non-technical audiences.
**To qualify for the role you must already live in northern Idaho State, northeastern Oregon State or central or eastern Washington State.**
Core Job / Requirements/Outcomes
- Deliver strategic, risk-based decisions across all lending channels by leading departmental certifications and advanced reporting; analyzing cross-portfolio data to identify emerging trends and risks; and delivering clear, actionable insights to management.
- Oversee automated approval and fintech-artificial intelligence analytics programs by leveraging established frameworks to evaluate risk, monitor performance, and provide management with clear, actionable insights.
- Provide governance and oversight of underwriting practices by ensuring adherence across underwriters and automated decisioning platforms through systematic monitoring, audits, and loan reviews, while analyzing review outcomes to identify emerging trends, risks, and opportunities and clearly articulating concise, actionable insights to senior management.
- Ensure high-quality lending data and strong governance by applying strict standards for accuracy, integrity, and consistency, supported by effective data quality controls. Utilize expertise in writing reports and managing databases (including SQL, data warehouses, and Power BI) to provide dependable and useful business intelligence.
Other Essential Functions
- As needed take on a lead role on business initiatives as well as serve as a business analyst and perform competitive research to support various projects, product/service recommendations and strategic initiatives.
- Maintain knowledge of policies, rules, regulations, and industry standards in regard to regulatory compliance and any other matters of interest related to all channels of lending.
- Strengthen accurate and compliant appraisal operations by serving as a resource and backup support to junior analysts for daytoday appraisal management activities, including AVM evaluation and reporting; assisting with appraiser panel updates; supporting appraisal appeals and compliance items per policy; and helping escalate exceptions appropriately.
- Data analysis and interpretation by collecting and analyzing large datasets from various sources to identify trends, patterns, and opportunities with actionable insights. Interpret complex data and translate findings into meaningful recommendations for business improvement.
- Independently manage a diverse workload with minimal supervision, effectively prioritizing multiple business partner requests and projects to ensure timely delivery, operational efficiency, and high stakeholder satisfaction. Demonstrate strong accountability by proactively anticipating needs, overcoming obstacles, and taking initiative to deliver results.
- Mentor departmental staff. Provide coaching/feedback to support their analytical development in data visualization and report writing. Contribute to and support a positive work environment to ensure an effective, high preforming and cohesive team.
Qualifications
Education Bachelors degree in business, finance, data analytics, or related field or equivalent experience required.
Job Experience Minimum five years experience in credit portfolio analysis, including advanced knowledge of lending regulations, compliance standards, underwriting, technology, business intelligence and data visualization tools is required. This includes a minimum three years of successful personal leadership experience required including experience in facilitating change, mentoring, problem solving, and coaching.
Software Skills Proficiency with data visualization and business intelligence tools. Ability to create relevant and readable graphs, charts, and presentations. Knowledge of SQL in addition to applicable LOS, POS, and core systems required. Proficient knowledge of MS Office programs including Outlook, Word, Excel, and Teams.
Other Skills Knowledge of Interagency Appraisal and Evaluations Guideline and knowledge of all approved valuation documentation (ex. AVMs and Appraisal formats)
Physical Demands Must be able to regularly talk, hear and operate a computer, keyboard and mouse and occasionally lift, pull/push and carry up to 10 pounds with accommodations.
Work Conditions Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting. Exposure to high-stress, fast-paced, deadline-oriented environment.
Other Perform additional duties as assigned for the efficient operation of the department and the organization. This includes the possibility of being assigned temporarily to other locations.
Additional Information
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STCU does not discriminate based on race, color, sex (including pregnancy and related conditions, sexual orientation, or gender identity), national origin, religion, age, equal pay, disability or genetic information. Click to review the EEOC Know Your Rights: Workplace Discrimination is Illegal poster.
Equal employment opportunity, including veterans and individuals with disabilities.
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