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Travis Credit Union · 6 days ago

Credit Policy Analyst

Vacaville, CA

Full-time

Hybrid

Mid, Senior Level

$43/hr - $53/hr

3+ years exp

Travis Credit Union is focused on developing, implementing, and monitoring credit policies to ensure effective risk management, profitability, and compliance. The Credit Policy Analyst is responsible for conducting in-depth analysis of credit data, evaluating existing policies, and ensuring compliance with internal standards and external regulations.

CommunitiesInternet

No H1B

Responsibilities

Creates and evaluates credit policies that guide lending practices, ensuring they align with regulatory requirements while maintaining profitability

Conducts risk analysis to assess the impact of existing and proposed credit policies on an organization's risk exposure

Ensures lending practices align with internal policies and external regulations

Assesses the effectiveness of credit policies and recommends adjustments to improve outcomes

Conducts industry and economic analysis to identify trends and/or opportunities that may impact credit policies

Collaborates with teams across finance, risk management, and operations to implement and enforce credit policies

Qualification

Credit Risk AssessmentRegulatory ComplianceQuantitative AnalysisData VisualizationMarket ResearchProblem-SolvingCommunication

Required

Candidates must live within a reasonable commuting distance of the communities served by Travis Credit Union

Candidates must have current authorization to work in the U.S. (no sponsorship available)

Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or equivalent related work experience

Minimum of 3 years professional experience in credit policy analysis or policy development

Minimum of 2 years utilizing analytic tools, key performance indicators, and solutions to inform business decisions and policy strategy

Quantitative & Analytical Proficiency – Strong ability to analyze financial data, credit models, and market trends to recommend sound policy and guidelines

Credit Risk Assessment and Policy Development – Evaluating borrower creditworthiness using financial metrics and credit scoring models

Regulatory Compliance – Familiarity with FCRA, ECOA, Basel III, and other relevant regulations

Market Research & Competitive Analysis – Ability to assess market conditions and competitor credit strategy to make informed decisions

Problem-Solving – Identifying root causes of credit performance issues and proposing solutions

Data Visualization & Reporting – Proficiency in tools like Excel, Tableau, Power BI, and SQL to present credit risk insights

Communication – Ability to collaborate with stakeholders, clearly articulate analysis and policy rationale, and present lending recommendations