Sr Credit Risk Analyst

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our "people helping people" philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $106,600.00-$130,100.00 annually. The full Pay Range is $82,900.00 - $154,000.00 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 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOU'LL MAKE: As a Sr Credit Risk Analyst, you'll use your analytical expertise to strengthen the financial wellbeing of BECU members by shaping credit risk insights that drive confident decision‑making. You'll transform complex datasets into meaningful information that helps protect the cooperative and unlocks opportunities for responsible growth. You'll be a trusted partner to cross‑functional teams by ensuring our credit practices align with governance standards while supporting the design of scalable reporting frameworks. You'll elevate BECU's risk capabilities by leading key initiatives and mentoring others along the way. Your work will directly influence how we understand, manage, and advance the performance of our loan portfolios. To join our dynamic team, we require candidates to be residents of WA,OR,ID, AZ, CA, TX, GA, VA, NC or SC. If you're located in Washington state and within a reasonable driving distance from Tukwila, we are requesting that you come into our HQ on Tuesdays & Wednesdays. For those candidates that live outside the commute distance of Tukwila Financial Center and in any of our approved remote work locations, this role will be remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment. WHAT YOU'LL DO: Analyze complex data ecosystems: You'll explore and aggregate data across multiple large applications, deposit, loan, and default databases to uncover meaningful patterns and insights. Transform data into actionable insights: You'll organize datasets into targeted segments and evaluate trends that reveal opportunities, risks, and emerging subpopulation activity. Lead portfolio risk reporting: You'll design and refine recurring and adhoc reporting that tracks health, performance, risk ratings, bureau metrics, and loss mitigation outcomes across Consumer, Card, Mortgage, and Business portfolios. Validate and investigate processes: You'll compare data findings with real-world operational practices by partnering with business units to confirm accuracy and understand underlying drivers. Deliver deep‑dived risk assessments: Using your expertise, you'll perform comprehensive credit risk analyses to identify threats and opportunities related to portfolio performance, credit profiles, and approval or line‑assignment strategies. Model outcomes and scenarios: You'll apply statistical methodologies to project expected results for credit programs, modeled portfolios, or collection strategies, helping inform forward‑looking decisions. Influence risk appetite and strategy: You'll collaborate with Senior Leadership to shape credit risk initiatives tied to origination, campaigns, account management, collections, and loss mitigation. Support departmental initiatives: You'll partner with the department head to guide key initiatives, optimize processes, and assist with administrative priorities. Mentor team members: You'll coach junior staff and help foster a collaborative, growth‑minded team environment. Ensure regulatory compliance: You'll uphold federal and state compliance requirements and coordinate with other teams to maintain strong, consistent practices. Maintain and enhance documentation: You'll ensure procedures remain clear, accurate, and up to date for all functions within your scope. Manage essential reporting: You'll maintain operational audit records and management information reporting as required. Collaborate on member‑focused programs: You'll partner with internal and external teams to support initiatives that enhance employee and member experiences