**Intro** Are you ready to explore a world of possibilities, both at work and during your time off? Join our American Airlines family, and you’ll travel the world, grow your expertise and become the best version of you. As you embark on a new journey, you’ll tackle challenges with flexibility and grace, learning new skills and advancing your career while having the time of your life. Feel free to enrich both your personal and work life and hop on board! **Why you'll love this job** This job is within the American Airlines Credit Union. The role is responsible for planning, analyzing and assessing risk for consumer, student and real estate loan and account products extended to AACU members. Also responsible for activities that evaluate product trends, identifying product and process enhancements needed, and implementing product developments and changes, ensuring that programs offered remain competitive, meet the needs of our members and support the overall Credit Union vision and long term objectives. A thorough understanding of underwriting concepts, consumer credit reports, and origination systems is needed in order to ensure sound judgment is applied when making lending decisions or approvals. **What you'll do** + Participate in rate analysis and updates + Review approval decisions for deposit accounts and consumer loan exception + Review escalations at VP/SVP/CEO level + Analyze production and portfolio performance + Analyze, Interpret and implement underwriting changes in policies and procedures + Identify opportunities for underwriting and process improvements and recommend mitigation strategies + Address underwriting and credit risk concerns and create appropriate policy changes + Liaison to AACU marketing and business development departments + Prepare reports for the Board of Directors, management scorecard and adhoc analysis related to real estate, business services and consumer loans + Analyze results and trends and report to senior management as needed + Coordinate compliance and regulatory oversight + Assist with annual vendor due diligence for compliance + Maintain a current knowledge of changing legislation and regulatory climates + Maintain relationships with related vendors + Assist with maintaining consumer and mortgage loan operating systems + Assist with the annual budget process and monthly budget maintenance + Responsible for coordinating a branch cross-referral process + Maintain industry related contacts and memberships + The selected candidate will be responsible for ensuring the security and confidentiality of all account and related information which is part of their work and for ensuring that his/her work is in compliance with all applicable laws and regulations including, but not limited to, the Bank Secrecy Act. **All you'll need for success** **Minimum Qualifications- Education & Prior Job Experience** + High School diploma or GED + Experience with underwriting concepts, consumer credit reports and origination systems **Preferred Qualifications- Education & Prior Job Experience** + Bachelor's Degree in Business or a related discipline + Three years or more of underwriting or complex lending experience + Experience with AACU systems + Previous banking or credit union experience + Understanding of SQL and Business Reporting Models **Skills, Licenses & Certifications** + Advanced skill level in Microsoft Office software (e.g., Word, Excel, PowerPoint) gained through either work experience with the software or education and hands-on use of the software + Ability to demonstrate strong organizational, writing, analytical and creative problem-solving skills + Ability to proactively identify opportunities for improvement and effectively implement change + Ability to be self-directed and comfortable with accepting ownership, responsibility and accountability of functional obligations + Ability to demonstrate excellent oral and written communication skills, including the ability to effectively communicate with all levels of management and staff as well as work closely with multiple departments + Ability to perform mathematical calculations and to research, analyze and report data with little guidance + Ability to self-motivate with strong organizational and analytical skills, plus capacity for attention to detail + Ability to manage multiple tasks and projects simultaneously + Ability to effectively prioritize work and meet deadlines + Ability to work independently and with minimal supervision + Ability to work varying schedules, including evenings and weekends + Ability to maintain satisfactory performance and attendance + Ability to pass applicable American Airlines and Credit Union pre-hire compliance checks **What you'll get** Feel free to take advantage of all that American Airlines has to offer: + Travel Perks: Ready to explore the world? You, your family and your friends can reach 365 destinations on more than 6,800 daily flights across our global network. + Health Benefits: On day one, you’ll have access to your health, dental, prescription and vision benefits to help you stay well. And that’s just the start, we also offer virtual doctor visits, flexible spending accounts and more. + Wellness Programs: We want you to be the best version of yourself – that’s why our wellness programs provide you with all the right tools, resources and support you need. + 401(k) Program: Available upon hire and, depending on the workgroup, employer contributions to your 401(k) program are available after one year. + Additional Benefits: Other great benefits include our Employee Assistance Program, pet insurance and discounts on hotels, cars, cruises and more **Feel free to be yourself at American** From the team members we hire to the customers we serve, inclusion and diversity are the foundation of the dynamic workforce at American Airlines. Our 20+ Employee Business Resource Groups are focused on connecting our team members to our customers, suppliers, communities and shareholders, helping team members reach their full potential and creating an inclusive work environment to meet and exceed the needs of our diverse world. Are you ready to feel a tremendous sense of pride and satisfaction as you do your part to keep the largest airline in the world running smoothly as we care for people on life’s journey? Feel free to be yourself at American. EQUAL EMPLOYMENT OPPORTUNITY/ AFFIRMATIVE ACTION POLICY American Airlines maintains a continuing policy of nondiscrimination in employment. It is our policy to provide equal opportunity and access for all persons, without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or status as a disabled veteran or other protected veteran, in all phases of the employment process and in compliance with applicable federal, state, and local laws and regulations. This policy of nondiscrimination shall include, but not be limited to, the following employment decisions and practices: hiring; upgrading; promotions; demotions or transfers; layoffs; recalls; terminations; rates of pay or other forms of compensation; selection for training, including apprenticeship; and recruitment or recruitment advertising.