As the nation's largest community credit union, we begin every day focused on delivering superior financial products and services for our 1.3 million members and more than $30 billion in managed assets. Our work has an economic impact as we support our members' financial goals. We are unapologetic about being devoted to our members and the communities we serve. Our business is guided by our people helping people philosophy – which includes our team members. BECU has been in business for more than 85 years, driven by unwavering core values and a dedication to improving the communities we serve. While we have a rich history, the future of our company, accelerated by business and technology transformation, is even brighter. There's never been a better time to work for BECU. To learn more visit becu.org/careers. **PAY RANGE** The Target Pay Range for this position is $100,900.00-$123,200.00 annually. The full Pay Range is $78,400.00 - $145,800.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. **BENEFITS** Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here . **IMPACT YOU'LL MAKE:** As the Sr Credit Risk Analyst, Unsecured at BECU, you'll play a vital role in analyzing and monitoring the credit risk across our portfolios. Your insights will help shape our risk management strategies by ensuring adherence to governance standards and lending policies. You'll be instrumental in developing and maintaining reporting and analytic frameworks that provide clear insights into portfolio health and performance. By collaborating with various stakeholders, you'll support the discovery and measurement of risks, identify potential threats and opportunities, and influence decision-making processes. Your expertise will not only enhance our credit risk management practices but also contribute to the overall financial well-being of our members. **WHAT YOU'LL DO:** + **Data Analysis & Discovery:** Conduct data discovery and aggregation across multiple large databases, identifying trends and developing actionable insights. + **Reporting & Monitoring:** Develop and maintain recurring and ad-hoc reporting suites for monitoring the unsecured portfolios (card, personal loan, line of credit), including portfolio risk ratings and health assessments. + **Risk Investigation:** Investigate and validate risk management processes through data review and engagement with business unit personnel. + **Credit Risk Analysis:** Perform in-depth analysis of loan portfolios or subpopulations to identify potential risks and opportunities, including evaluating origination decision logic and credit profiles. + **Statistical Evaluation:** Utilize statistical modeling techniques to predict outcomes of credit programs and strategies. + **Strategic Collaboration:** Partner with Senior Leadership to develop and support credit risk initiatives, adjusting portfolio management strategies as needed. + **Leadership & Mentorship:** Mentor junior staff, fostering their development and performance. + **Regulatory Compliance:** Ensure compliance with federal and state regulations related to credit risk management. + **Documentation & Reporting:** Maintain and update written procedures and management information reporting, ensuring operational efficiency. This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered. **WHAT YOU’LL GAIN:** + Deepen your knowledge in credit risk analytics and portfolio management. + Mentor junior analysts and influence cross-functional teams. + Contribute to the development and execution of risk management strategies. + Access to continuous learning opportunities in data analysis and risk management. **QUALIFICATIONS:** **Minimum Qualifications:** + Bachelor's degree in a quantitative or business field, or equivalent experience. + Minimum 5 years of related functional experience in credit risk analytics, with a preference for experience in the financial services industry. **Desired Qualifications:** + Advanced degree preferred. + Previous experience in managing projects is preferred. + Proficient in PC skills, including Microsoft Office (Excel, Word), with the ability to quickly learn new software. + Advanced experience with quantitative software and database querying tools (e.g., SAS, SQL, Python) and presentation development software (e.g., Tableau, PowerBI, PowerPoint). + Demonstrated experience in analyzing portfolio performance and articulating results from a risk management perspective. Ability to collect data, establish facts, and draw valid conclusions. + Experience in building cohesive cross-functional teams and facilitating collaborative decision-making. **JOIN THE JOURNEY** Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney **EEO Statement:** BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status. **Job Alerts:** If you would like to be kept informed of new potential opportunities, click here (https://becu.wd1.myworkdayjobs.com/en-US/External/jobAlerts) . You will be asked to create an account if you do not already have one. From our very beginning, BECU has been about people helping people. As a financial services cooperative, our purpose has and always will be the same: we work together to best serve our members and improve the financial well-being of our community. More than 80 years and one million members later, we're still rooted in our values, practices and mission - and even more passionate about our future. As one of the nation's leading credit unions, we're not driven by profit. We're owned by our members and their interests are at the core of everything we do. Now we're growing faster than ever before--but we'll never forget our roots. To continue doing right by our members, we believe we must first do right by our people. Here, you'll receive the resources and support you need to learn, grow and build a meaningful career. Because we know it's our people who make us special.