Credit Policy Analyst Job Listing at Travis Credit Union in Vacaville, CA (Job ID oo3Pwfww)

Description

M-F 40 hours/week Hybrid: 2 days per week in office located in Vacaville, CA.   Summary: Travis Credit Union's (TCU) Credit Policy Analyst focuses on developing, implementing, and monitoring credit policies to ensure effective risk management, profitability, and compliance. This position is responsible for conducting in-depth analysis of credit data, evaluating existing policies, and ensuring robust compliance with internal standards and external regulatory requirements. The analyst will provide actionable insights to help the organization balance growth with sound credit practices, fostering a stable lending environment.     Profile:  

• 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.

  Not all functions/tasks are listed above; however, those listed are considered essential.                                                                                                                                                 Skills:  

• 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. An understanding of policy frameworks and risk appetite alignment.
• 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.

    Reporting & Experience:   Credit Policy Analyst:

• Reports directly to assigned department leadership.
• 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.
• Data Visualization certification (i.e. Tableau, Power BI) or SQL certification desired.

  Sr. Credit Policy Analyst 

• Reports directly to assigned department leadership.
• Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or a master's degree with a minimum of 2 years of equivalent related work experience; or equivalent related work experience.
• Minimum of 5 years professional experience in credit policy analysis or policy development.
• Minimum of 4 years utilizing analytic tools, key performance indicators, and solutions to inform business decisions and policy strategy.
• Data Visualization certification (i.e. Tableau, Power BI) or SQL Certification desired.

    Compensation: Base salary starting range is commensurate with experience.   Credit Policy Analyst: Grade 16: $42.05/hour - $51.94/hour Sr. Credit Policy Analyst: Grade 18: $103,905.36/annually - $128,356.80/annually   Our compensation philosophy is based on several factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, and key skills. At Travis Credit Union, our priority is that our employees and their loved ones are provided with a Total Rewards program that ensures their health and welfare safety which allows our employees to focus on the financial welfare of our members and the credit unions objectives.  As such, Travis Credit Union offers a robust benefits package to our eligible employees, including competitive medical, dental, and vision insurance, mental health offerings, employee performance incentive plan, merit increases, 401(k) program with immediately vested employer match, generous holiday and vacation policy, and extensive TCU specific perks like employee loan and credit card discounts! Travis Credit Union is an Affirmative Action Employer EOE/Individual with Disability/Veteran Status

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