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At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.
We encourage you to become a part of VyStar Credit Union's family of employees.
Risk Compliance & Decision Support AnalystACCOUNTABILITY STATEMENTESSENTIAL JOB DUTIES
Reporting, Analytics & Decision Support
Develop, maintain, validate, and enhance reports, dashboards, scorecards, presentations, charts, tables, and other visual tools that communicate operational and financial performance.
Analyze trends, anomalies, risks, service levels, delinquency, charge-offs, write-offs, recoveries, fees, and budget performance; provide clear findings and recommendations to management.
Partner with business leaders, Finance, Accounting, Risk, and technology teams to confirm source data, reconcile results, resolve exceptions, and implement reporting improvements.
Maintain relational data and reporting solutions using approved tools, including Excel, Access, SQL/T-SQL, SSRS, Crystal Reports, Power BI, Data Lake, Databricks or successor applications.
Recommend new or revised reporting methods that improve accuracy, completeness, usefulness, timeliness, and scalability.
Risk, Compliance & Quality Control
Complete recurring regulatory, risk, exception, quality, and control monitoring; document results and escalate anomalies to Loan Administration leadership.
Input and maintain benchmark, control, and monitor results in the Enterprise Risk Management platform, and track agreed corrective actions through resolution.
Review departmental procedures, letters, account activity, operational controls, and supporting documentation for adherence to internal standards, audit requirements, and applicable regulatory expectations.
Coordinate or perform quality reviews, operational audits, claims audits, adverse action letter sampling, account reviews, global security reviews, and assigned control validations.
Monitor regulatory and operational changes affecting collection operations, recommend process or reporting changes, and coordinate periodic training or up-training.
Performance Management, Planning & Process Improvement
Monitor organizational and departmental performance against established goals, service levels, controls, and deadlines.
Identify process gaps, eliminate non-value-added activity, reduce operational risk, and recommend improvements that strengthen member service and financial performance.
Support the Annual Operating Plan and forecasting processes, including analysis of charge-offs, write-offs, fees, delinquency, and departmental expenses.
Participate in strategic initiatives, system changes, procedure updates, departmental goal setting, training development, and special projects.
Systems Administration & Technical Support
Administer assigned collection and workforce applications, including user access, team and queue assignments, parameters, skill levels, monitoring forms, reporting, data balancing, troubleshooting, and upgrade recommendations.
Coordinate with technology partners and vendors to resolve data availability, reporting, transmission, or system issues and document impacts to recurring deliverables.
All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.
Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:
Focus - Focus your full attention by carefully listening to and observing client or member.
Connect - Consistently be friendly and approachable. Demonstrate your care.
Understand - Listen empathetically and ask questions (70%/30% rule).
Counsel - Recommend solutions based on your member’s needs and objectives.
Advance - Ensure that member’s expectations were exceeded.
Verify necessary follow-up actions.
EDUCATION AND JOB REQUIREMENTS - Professional
Bachelor's degree in business-related, analytics, finance, risk, compliance, technology, or similar field is preferred.
A minimum of four years of analytical, reporting, compliance, risk, financial services, or comparable experience may substitute for the preferred degree. Work experience may substitute for college education on a one-for-one basis.
Experience preparing high-level financial, delinquency, performance, or operational reports and presenting findings to management is required.
Experience in a financial institution, lending, collections, recovery, compliance, risk, audit, or decision-support environment is strongly preferred.
Advanced proficiency in Microsoft Excel, including pivot tables, formulas, data validation, reconciliation, and visual presentation of data; strong working knowledge of Access, PowerPoint, and Word.
Working knowledge of SQL/T-SQL, relational databases, SSRS, Crystal Reports, Power BI, Oracle, or comparable reporting and business-intelligence tools. SAS experience is a plus.
Experience with KPIs, scorecards, dashboards, operational analytics, quality control, budgeting, forecasting, and statistical analysis.
Ability to analyze critical data accurately, identify key issues, interpret results, and present recommendations and conclusions clearly and concisely.
Ability to work independently and collaboratively in a high-pressure environment with changing priorities while consistently meeting established deadlines.
Strong written and verbal communication, organization, judgment, problem solving, attention to detail, and follow-through.
DISCLAIMERS AND WORK ENVIRONMENT
Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.
VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.
No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.
Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.
Thank you again for your interest in this position!
VyStar Credit Union Human Resources
