Senior Credit Risk Management Analyst, Chelmsford, MA or Hillsboro, OR, Hybrid Full-Time

ScheduleMonday - Friday 8-5 (40 hrs)What You’ll DoJob Summary:The Senior Analyst, Credit Risk is responsible for performing advanced credit risk analysis, portfolio monitoring, and reporting to support the organization’s Second Line of Defense (2LOD) credit risk management function. This role evaluates credit performance, supports risk governance activities, and provides insights to ensure alignment with the organization’s risk appetite, regulatory expectations, and strategic objectives.The Senior Analyst operates independently on complex assignments, providing data-driven insights, identifying emerging risks, and supporting effective challenge of first line lending practices and portfolio strategies.Essential Functions:Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Analyze credit portfolio performance across consumer and commercial portfolios, including credit quality, concentrations, migration trends, and loss performanceMonitor and report on key credit risk indicators (KRIs/KPIs), identifying trends, emerging risks, and areas of concernSupport the Allowance for Credit Losses (ACL) / CECL process, including data analysis, validation of assumptions, and review of outputsPerform stress testing and scenario analysis to evaluate potential impacts on portfolio performance, earnings, and capitalEvaluate underwriting practices, portfolio strategies, and credit risk frameworks, providing insights and effective challenge where appropriateSupport development of credit risk reporting, including materials for leadership, risk committees, and governance forumsAnalyze large data sets to generate actionable insights and support decision-making across credit risk functionsAssist in maintaining and enhancing credit risk policies, procedures, and governance documentationSupport credit model oversight and governance, including monitoring performance and identifying potential limitations in coordination with Model Risk ManagementParticipate in regulatory exams, internal audits, and credit reviews, including preparation of analysis, documentation, and responsesPartner with Finance, Lending, and Risk teams to support portfolio analysis, forecasting, and risk assessmentsIdentify opportunities to improve credit risk analytics, reporting processes, and data qualityStay informed on regulatory expectations, industry trends, and emerging credit risksTypical Scope:Applies best practices and knowledge of internal/external business challenges to improve products, processes or services. Is accountable for small projects or programs with manageable risks and resource requirements. Resolves difficult and complex problems using judgment and analysis; contributes to problem solving in collaborative settings. Interprets policies and adapts them to new situations.Demonstrates judgment in selecting methods to solve problems that have cross-functional impacts or require balancing competing priorities. Applies advanced knowledge of job area with experienced understanding of functional area.Typically receives little instruction on daily work. Works independently within defined specialties; adapts methods and procedures for routine work with minimal oversight. Accountable for deliverables. May mentor others and coach or review their work.What You’ll NeedEducation & Experience: Required Education: Bachelor's degree in field relevant to role (or 4 additional years of relevant experience in lieu of a degree)Required Experience: 4 - 6 years of relevant experienceQualifications & Skills: Strong understanding of credit risk principles, lending products, and portfolio performance analysisKnowledge of credit risk modeling, CECL/ACL, and stress testing conceptsStrong analytical and quantitative skills, with ability to interpret complex dataExperience with data analysis tools and Excel; familiarity with SQL, Python, or similar preferredAbility to identify trends and translate data into clear, actionable insightsStrong problem-solving and critical thinking skillsExcellent written and verbal communication skillsAbility to manage multiple priorities in a fast-paced environmentWhat We DoDCU is the largest credit union headquartered in New England – serving more than one million members in all 50 states. With over 1,700 team members, we strive to make DCU a great place to work with an excellent work-life balance, and a community that cares.DCU is an equal opportunity employer, and we value diversity, inclusion, and equity at our company. We evaluate qualified applicants without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, disability, veteran status, and other legally protected characteristics. If you’re applying for a job and need a reasonable accommodation for any part of the employment process, please send an email to View email address on click.appcast.io and let us know the nature of your request and contact information. Please note that only those inquiries concerning a request for reasonable accommodation will be responded to from this email address.DCU is not currently offering Visa transfer/ sponsorship for this position.Expected Pay Range $93,000 - $111,500 annuallyJob SummaryRequisition Number: SENIO006470Job Category: AccountingSchedule: Full-Time