Apply on Employer Site

Mountain America Credit Union · 1 day ago

Credit Modeling Administrator

Sandy, UT

Full-time

Hybrid

Senior Level, Lead/Staff

8+ years exp

Mountain America Credit Union is seeking a Credit Modeling Administrator to lead their first-line credit risk and reporting team. The role involves overseeing portfolio management, risk assessment, and regulatory compliance while collaborating with lending units to ensure credit decisions align with the credit union’s risk appetite and strategic goals.

BankingFinancial ServicesMortgage

Culture & Values

Responsibilities

Partner with business units to ensure credit decisions align with risk appetite

Provide risk analysis and recommendations for complex credit transactions

Lead the maintenance of CECL (Current Expected Credit Loss) models, ensuring compliance with accounting standards and regulatory requirements

Manage credit risk modeling, analyzing borrower behavior, trends, and identify emerging risks and economic conditions

Using credit risk modeling and trend analysis, collaborate with lending teams to recommend loan underwriting standards and portfolio management practices

Maintain loan concentration monitoring, review, reporting, and ongoing analysis

Monitor credit risk exposure, including performing back-testing, to identify areas for improvement and recommend adjustment strategies accordingly

Work with senior leadership to develop forecasting models that guide strategic decision-making

Ensure compliance with federal regulations, including banking laws, NCUA regulations, and risk management standards. Supports audits, internal reviews, and risk governance processes

Lead, mentor, and develop a team of credit analysts and risk professionals

Work closely with lending, servicing & collections, and 2nd line financial and credit risk teams to develop and maintain effective reporting on loan portfolio performance and risk management

Establish and maintain robust model risk governance including detailed model documentation, ongoing model performance monitoring, and participation in model validation activities

Provide PD & LGD analysis, stress testing, and scenario analysis to assist with Capital Planning, and strategic initiatives

Provide reporting and analysis of pledged loan collateral for institutional credit lines at the FHLB, Federal Reserve, and other FIs

Support capital planning and stress tests and scenario analyses for strategic decision-making

Participate in discussions relating to internal processes and reporting for examiners, risk committees, and audits

Provide early warning indicators through portfolio migration analysis and credit risk dashboards

Other duties as assigned

Qualification

CECL model managementCredit risk modelingCredit portfolio managementFinancial analysis toolsBanking regulations knowledgeLeadership skillsStrategic thinkingProblem solving skillsCommunication skills

Required

8-10 years of experience in banking or financial services, with a focus on credit risk management

Bachelor's degree in Finance, Economics, Mathematics, Quantitative Analysis, or related field

Expertise in CECL model implementation, calibration, and validation

Strong knowledge of credit modeling techniques, including regression analysis, and risk forecasting

Experience managing credit portfolios, including consumer, mortgage, and commercial lending

Familiarity with banking and credit union regulations, and Federal Reserve guidelines

Brings strategic business context to decisions made across groups

Prominent knowledge of theory and organizational experience through extensive exposure to complex practices across several different disciplines within credit risk management, financial services, and lending operations

Functional thought leader, sought after for key decisions

Leverages knowledge of trends in profession and/or specialized areas to influence strategy

Public speaking skills

Leadership and talent management skills

Strategic thinking

Problem solving skills

Verbal/written communication skills

Creates a sense of urgency and accountability in delivering objectives and a culture which fosters innovation and creativity

Develops multifunctional leadership

Drives MACUWay, competencies and customer focus throughout the team or department

Coaches individuals to reach full potential

Significantly participates in recruiting efforts. Continually raises the bar

May be responsible for developing and communicating team or department vision and goals

Oversees planning process and delegation across teams and/or departments

Go-to person in at least one major functional or technical area

Has authority over decisions for particular projects within a group

Applies specialized knowledge to implement programs and initiatives and contributes to problems of high complexity

Will serve as a technical lead for our most complex, cross functional projects

Analyzes data to summarize findings and draws conclusions about programs to project teams

Contributes to projects that impact the organization and is accountable for impact analysis of programs and initiatives

Assists with priority projects and provides for a review and recommendation on current processes and technologies that facilitate operational efficiencies

Develops relationships with key business and functional leaders

Applies advanced subject matter knowledge to complex business issues, and is regarded as a subject matter expert

Able to handle most unique situations

Develops expertise and may help set functional procedures and direction

Initiates projects for a team or approves proposed projects from teams

Identifies and institutionalizes best practices

Develops solutions to some of the company's most challenging issues, requiring significant ingenuity

May develop long-term strategies and influence leadership decisions

Keeps abreast of industry trends and applies knowledge to MACU's business

Functional thought leader, sought after for key decisions

Works on complex problems / projects where analysis of situations or data requires an in-depth evaluation of multiple factors

Exercises significant independent judgment within broadly defined procedures and practices to determine best method for accomplishing work and achieving objectives

Makes decisions on most complex business issues

Proficiency in financial analysis tools like Tableau, SAS, or SQL

Strong leadership and communication skills, with the ability to present strategies and complex data to executive teams and business unit stakeholders

An ability to collaborate across diverse business segments and communicate clearly and effectively to support the business needs of both lending operations and financial reporting