Credit Policy Analyst

Credit Policy Analyst

Schedule: Monday - Friday 40 hours/week. Hybrid: 2 days per week (Tuesday/Thursdays) in office.

Candidates must live within a reasonable commuting distance of the communities served by Travis Credit Union, which include the following counties: Alameda, Colusa, Contra Costa, Merced, Napa, Placer, Sacramento, San Joaquin, Solano, Sonoma, Stanislaus, and Yolo. For hybrid and remote roles, candidates are still required to reside within a commutable distance of our corporate headquarters in Vacaville, California.

We are unable to sponsor or assume sponsorship of employment visas for this position. Candidates must have current authorization to work in the U.S. (no sponsorship available).

Summary

Travis Credit Union's (TCU) Credit Policy Analyst focuses on developing, implementing, and monitoring credit policies to ensure effective risk management, profitability, and compliance. This position is responsible for conducting in-depth analysis of credit data, evaluating existing policies, and ensuring robust compliance with internal standards and external regulatory requirements. The analyst will provide actionable insights to help the organization balance growth with sound credit practices, fostering a stable lending environment.

Profile

• Creates and evaluates credit policies that guide lending practices, ensuring they align with regulatory requirements while maintaining profitability.
• Conducts risk analysis to assess the impact of existing and proposed credit policies on an organization's risk exposure.
• Ensures lending practices align with internal policies and external regulations.
• Assesses the effectiveness of credit policies and recommends adjustments to improve outcomes.
• Conducts industry and economic analysis to identify trends and/or opportunities that may impact credit policies.
• Collaborates with teams across finance, risk management, and operations to implement and enforce credit policies.

Skills

• Quantitative & Analytical Proficiency Strong ability to analyze financial data, credit models, and market trends to recommend sound policy and guidelines.
• Credit Risk Assessment and Policy Development Evaluating borrower creditworthiness using financial metrics and credit scoring models. An understanding of policy frameworks and risk appetite alignment.
• Regulatory Compliance Familiarity with FCRA, ECOA, Basel III, and other relevant regulations.
• Market Research & Competitive Analysis Ability to assess market conditions and competitor credit strategy to make informed decisions.
• Problem-Solving Identifying root causes of credit performance issues and proposing solutions.
• Data Visualization & Reporting Proficiency in tools like Excel, Tableau, Power BI, and SQL to present credit risk insights.
• Communication Ability to collaborate with stakeholders, clearly articulate analysis and policy rationale, and present lending recommendations.

Reporting & Experience

Credit Policy Analyst:

• Reports directly to assigned department leadership.
• Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or equivalent related work experience.
• Minimum of 3 years professional experience in credit policy analysis or policy development.
• Minimum of 2 years utilizing analytic tools, key performance indicators, and solutions to inform business decisions and policy strategy.
• Data Visualization certification (i.e. Tableau, Power BI) or SQL certification desired.

Sr. Credit Policy Analyst:

• Reports directly to assigned department leadership.
• Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or a master's degree with a minimum of 2 years of equivalent related work experience; or equivalent related work experience.
• Minimum of 5 years professional experience in credit policy analysis or policy development.
• Minimum of 4 years utilizing analytic tools, key performance indicators, and solutions to inform business decisions and policy strategy.
• Data Visualization certification (i.e. Tableau, Power BI) or SQL Certification desired.

Compensation

Base salary starting range is commensurate with experience.

• Credit Policy Analyst: Grade 16 Non-Exempt: $43.31/hour - $53.50/hour
• Sr. Credit Policy Analyst: Grade 18 Exempt: $107,016.00/annually - $132,204.80/annually

Our compensation philosophy considers various factors, including the scope and responsibilities of the position, as well as a candidate's experience, education/training, and key skills.

Benefits: At Travis Credit Union, we prioritize the well-being of our employees and their families by providing a comprehensive Total Rewards program that supports their health, welfare, and financial security. In turn, this enables our employees to focus on delivering exceptional service to our members and meeting the goals of the credit union.

Eligible employees enjoy a robust benefits package, which includes:

• Competitive medical, dental, and vision insurance
• Mental health and wellness programs
• Employee performance incentive plan
• Merit-based salary increases
• 401(k) program with immediately vested employer match
• Generous holiday and vacation policies
• Exclusive TCU perks such as employee loan and credit card discounts

Travis Credit Union is an Affirmative Action Employer. EOE / Individuals with Disabilities / Veteran Status