Credit Modeling Administrator

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** Please reference the schedule and minimum qualifications listed below before applying.
** If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at  option 1 or email  and every reasonable effort will be made to accommodate your needs in a timely manner.#
** Job Summary
** This role leads the first-line credit risk and reporting team, overseeing portfolio management, risk assessment, and regulatory compliance. They will partner closely with lending units to ensure credit decisions align with the credit union’s risk appetite and strategic goals. The ideal candidate brings expertise in CECL model management and credit modeling, using data-driven insights to optimize portfolio performance.#
** Job Description
**** LOCATION
* * Mountain America Center - Hybrid:9800 S Monroe St  Sandy, UT 84070
** SCHEDULE
* * Full Time To be effective, an individual must be able to perform each job duty successfully.
* 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.
* Other duties as assigned.## KNOWLEDGE, SKILLS, and ABILITIES The requirements listed are representative of the knowledge, skills, and/or abilities required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
** Education and Experience
*** 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
* Master's degree preferred
* 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
** Licenses, Certifications, Registrations
*** CRC, CFA, or FRM certification preferred
** Knowledge & Skills
*** Prominent knowledge of theory and organizational experience through…