Senior Credit Risk Management Analyst

Digital Federal Credit Union

Senior Analyst responsible for advanced credit risk analysis and reporting at DCU. Evaluating credit performance and supporting risk governance in a hybrid role.

Posted 6/2/2026full-timeChelmsford • Massachusetts, Oregon • 🇺🇸 United StatesSenior💰 $93,000 - $111,500 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

Bachelor's degree in field relevant to role (or 4 additional years of relevant experience in lieu of a degree)
4 - 6 years of relevant experience
Strong understanding of credit risk principles, lending products, and portfolio performance analysis
Knowledge of credit risk modeling, CECL/ACL, and stress testing concepts
Strong analytical and quantitative skills, with ability to interpret complex data
Experience with data analysis tools and Excel; familiarity with SQL, Python, or similar preferred
Ability to identify trends and translate data into clear, actionable insights
Strong problem-solving and critical thinking skills
Excellent written and verbal communication skills
Ability to manage multiple priorities in a fast-paced environment

Benefits

Comp & perks

Health insurance
401(k) matching
Flexible work hours
Paid time off
Professional development opportunities

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit risk analysiscredit risk modelingdata analysisstress testingportfolio performance analysisquantitative analysisdata interpretationcredit quality assessmentloss performance evaluationregulatory compliance

Soft Skills

analytical skillsproblem-solvingcritical thinkingcommunication skillsability to manage prioritiescollaborationinsight generationattention to detailadaptabilityorganizational skills