Catalyst Corporate Federal Credit Union - Plano, TX
posted 2 months ago
The Member Credit Analyst plays a vital role at Catalyst Corporate Federal Credit Union, focusing on supporting the company's loan participation program and lending activities. This position combines traditional lending responsibilities with analytical tasks and elements of investment activities. The ideal candidate will have a strong background in analytics, particularly with relational databases, business intelligence platforms, and predictive modeling software. The Analyst will be responsible for compiling and analyzing data from clients, ensuring that unstructured data is ingested and validated into standardized outputs that inform credit and valuation models. Proficiency in SQL and data transformation (ETL) tools is essential for this role. In the context of the Loan Participation Program, the Analyst evaluates the credit quality, leverage, and other risk metrics of consumer loans that are packaged into portfolios for potential sale. This analysis requires a solid understanding of credit underwriting principles, market interest rates, and credit spreads to effectively price portfolios for sale. Once a sale transaction is completed, the Analyst manages the outstanding participation, compiles monthly investor reports, and tracks portfolio performance statistics based on seller data files. For the organization's lending activities, the Analyst is tasked with managing the credit model used to evaluate and monitor financial institutions that have been extended credit. This involves assessing counterparty risk and making recommendations regarding the disposition of members' lines of credit based on independent judgment and financial institution analysis. The role also demands a strategic mindset, with a focus on identifying opportunities for automation and efficiency improvements within the department. Continuous improvement and innovation are key components of this position, requiring critical thinking skills and the ability to visualize and articulate proposed solutions effectively. Additionally, the Analyst serves as a backup to the Manager of Loan Participations and Credit, ensuring continuity in operations.