MyUSA Credit Union is an over $350 million financial institution with offices in Middletown (2), Trenton, Kettering (2), Moraine, Piqua, Springfield and Vandalia.

We are seeking interested candidates for a Credit Risk Analyst at our corporate branch in Middletown, OH. The Credit Risk Analyst assists the Lending Manager in developing strategies to increase the direct lending activity at MyUSA. They perform credit and risk analysis to assess opportunities for increasing direct lending by analyzing financial ratios, industry trends, benchmarks and practices based upon appropriate level of risk.

Responsibilities include:
• Compiles Loss Scenario Analysis to increase and maximize direct lending production.
• Explore, recommend, and implement non-credit bureau-based lending criteria and practice, including AI tools.
• Assist Lending Manager with development of analytics to maximize ROI of Origence lending system.
• Develops internal expertise on pre-approval criteria as a credit union core competency to improve direct lending.
• Develops routine reporting and analysis on industry-wide direct lending plans and initiatives for MyUSA to increase direct lending.
• Ensure compliance with Credit Union policies and procedures, as well as all State and Federal regulations, including but not limited to, Fair Lending, Reg Z, BSA/AML, OFAC, Non-Discrimination & Harassment, Computer Use/Security etc.

Job Type: Full-time, Salary exempt
Benefits:
• 401(k) Matching
• Generous Paid Time Off plans
• Company paid Life, AD&D and Disability Insurance
• Credit Union membership
• Health, Dental, & Vision insurance
• Employee Assistance Program
• Flexible Spending Account
• Health Savings Account
• Tuition assistance
• Referral program