Credit Modeling Administrator

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 801-366-6947 option 1 or email macurecruiting@macu.com 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.
• Provide early warning indicators through portfolio migration analysis and credit risk dashboards.
• 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 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

Leadership and Organization Development

• 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

Scope and Strategic Impact

• 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

Analytical Thinking & Problem Solving

• 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

Other Skills and Abilities

• 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.
• Demonstrated leadership experience preferred

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit, talk and hear consistently

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Color vision (ability to identify and distinguish colors)

Weight Lifted or Force Exerted

Ability to lift up to 10 pounds frequently and up to 25 pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

 Moderate noise (business office with computers and printers, light traffic)

***This Job is not eligible to be performed in Colorado or Connecticut, either remotely or in-person.***

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Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.