Credit Risk Analysis Manager - Collections

Company: Boeing Employees Credit Union
Location: Atlanta
Posted on: May 3, 2025

Job Description:

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 RANGEThe Target Pay Range for this position is $125,700.00-$153,600.00 annually. The full Pay Range is $97,400.00 - $181,800.00 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.BENEFITSEmployees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company's 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found .IMPACT YOU'LL MAKE:Your expertise in collections strategy will shape the future of BECU's risk management and recovery practices. You'll develop and implement policies that govern overall collections, optimize recovery, ensure compliance, and enhance operational efficiency. By crafting effective collection policies and collaborating with cross-functional teams, you will drive continuous improvement, mitigate risk, and maintain adherence to industry regulations. Your leadership will be instrumental in monitoring operational performance, refining strategies, and ensuring sustainable portfolio management.You'll also be at the forefront of credit risk analysis, enhancing governance standards, and strengthening our adherence to internal policies and procedures. Your ability to analyze risk, guide stakeholders, and implement key initiatives will make a lasting impact on BECU's financial health and member experience.To join our dynamic team, we require candidates to be residents of WA, OR, ID, AZ, TX, GA, or SC. If you're located in Washington state and within a reasonable driving distance from Tukwila, you have the flexibility to either work remotely or come into our HQ to enjoy a collaborative and inclusive environment. For those outside of Washington but in one of our supported states, you can also enjoy the convenience of remote work, contributing from the comfort of your home.WHAT YOU'LL DO:

• Analyze and Validate Risk Data: Conduct in-depth reviews of risk management processes, cross-referencing data with business unit personnel to ensure accuracy and reliability.
• Establish Collection Standards: Formulate and enforce guidelines for Collection and Operation teams, ensuring strict adherence to credit union standards to maintain consistency, quality, and regulatory compliance.
• Develop Credit Risk Strategies: Design and execute credit risk analyses of loan portfolios to identify potential threats and opportunities, refining origination, account management, and default management strategies.
• Enhance Risk Models: Apply statistical analysis and modeling to assess current risk management strategies, identifying opportunities for advancement and increased effectiveness.
• Leverage Predictive Analytics: Utilize industry and custom scorecards to enhance decision-making for origination, exposure, and account management.
• Deliver Data-Driven Insights: Interpret and present credit risk analyses to senior leadership, ensuring data-backed recommendations drive strategic decisions.
• Collaborate with Leadership: Partner with executive and senior leadership to refine risk appetite, support credit risk initiatives, and optimize collections and loss mitigation strategies.
• Lead and Mentor: Guide junior credit risk staff, fostering skill development and knowledge-sharing across the team.
• Ensure Compliance and Efficiency: Maintain and execute operational audits and management reporting, keeping statistical records as necessary to support transparency and governance.
• Vendor Partnerships: Collaborate with vendors to ensure cost-effective and high-quality service delivery that aligns with BECU's member-first philosophy.
• Champion Member Advocacy: Work with internal and external teams to implement programs that enhance employee and member experiences.
• Drive Process Improvement: Document and refine procedures to ensure ongoing efficiency and effectiveness within areas of responsibility.This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered.WHAT YOU'LL GAIN:
  • Strategic Influence: A role where your insights and leadership drive meaningful impact on BECU's risk management approach.
  • Professional Growth: Opportunities to expand your expertise in credit risk analysis, portfolio management, and data-driven decision-making.
  • Collaborative Environment: Work alongside experienced professionals who value innovation, integrity, and data-backed decision-making.
  • Cutting-Edge Tools: Leverage advanced analytics platforms and risk assessment technologies to enhance performance and efficiency.
  • Purpose-Driven Work: A chance to shape ethical and effective debt recovery strategies that align with BECU's member-first approach.QUALIFICATIONS:Minimum Qualifications:
    • Bachelor's degree in a quantitative or business field or related work experience.
    • Typically requires at least 7 years of related credit risk analytics, collection strategy and/or related field.
    • Experience using quantitative software and database querying tools (e.g., SAS, SQL, Python).
    • Experience using presentation development software (e.g., Tableau, PowerBI, PowerPoint).Desired Qualifications:
      • Project management skills.
      • Proven ability to collect, analyze, and interpret data to formulate recommendations.
      • Proficiency in Microsoft Office (Excel, Word, etc.) with the ability to quickly learn new software.
      • Previous experience in the financial services industry.
      • Experience working with cross-functional teams and external vendors.
      • Ability to facilitate collaborative decision-making.JOIN THE JOURNEYReady to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now.#BECU #YourGrowth #BECUJourneyEEO Statement:BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

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