Principal Credit Risk Analyst

Lead the monitoring, analysis, and modeling efforts to support the Credit Risk Strategy and Analytics function within Navy Federal's Credit Risk Management division (second line of defense). Leverage member, financial, and organizational data to oversee NFOU's lending activities and credit exposure, ensuring rigorous risk identification, measurement, and monitoring across the enterprise. Drive actionable risk mitigation strategies and business intelligence to advance the sustainable growth of NFCU's lending products. Manage complex tasks and projects with minimal supervision, exercising significant autonomy. Senior professional in the field, demonstrating expertise and leadership in the discipline.

Navy Federal Credit Union currently does not provide sponsorship for this role. Applicants must be authorized to work in the United States without the need for current or future sponsorship.

• Lead data-driven analyses to challenge credit underwriting strategies using historical loan data, financial reports, and alternative data sources
• Develop insights and recommendations for enhancing credit risk strategies and lending products, including analysis of debt issuers, guarantors, and vendors
• Drive innovation in credit risk strategies through complex analytical models and credible challenges, focusing on financial performance metrics
• Create advanced forecasting models and ranking tools to predict loan performance and inform credit strategy development
• Design and implement comprehensive monitoring frameworks to track credit risk performance and financial impacts
• Analyze portfolio performance in detail, providing actionable insights to leadership
• Collaborate closely with internal teams, including Marketing, Operations, and Finance, to support product and marketing strategy changes
• Maintain and develop credit risk policies, ensuring alignment with regulatory requirements and organizational risk appetite
• Present complex data-driven insights to senior management, influencing high-level lending decisions
• Communicate the financial implications of credit risk strategies and emerging risks to executives
• Ensure compliance with evolving regulatory requirements through proactive policy management and financial risk assessments