Risk Analyst

About Our Opportunity

The Risk Analyst provides critical support to the Risk Management & Analytics function by performing value-added analysis that assesses, monitors and reports on key risks that could prevent the Association from achieving its business objectives and leveraging enterprise data using advanced analytics to enhance and optimize Association performance.

This role applies solid functional knowledge and sound judgment to deliver dependable, high-quality work with minimal direction. Team members at this level manage moderately complex responsibilities, balance priorities effectively, and contribute meaningful insights that support team and functional performance. They are trusted to navigate varied situations, identify improvement opportunities, and operate with increasing autonomy.

The Lead Risk Analyst provides critical support to the Risk Management & Analytics function by performing value-added analysis that assesses, monitors and reports on key risks that could prevent the Association from achieving its business objectives and leveraging enterprise data using advanced analytics to enhance and optimize Association performance.

The Lead Risk Analyst role is designated for team members who not only surpass educational and experience benchmarks but also bring diverse expertise to the table. These individuals offer guidance and leadership to peers while consistently delivering high-quality performance in their duties.

How You Will Spend Your Time

• Uses critical thinking and robust analysis skills in analyzing, monitoring, and reporting on numerous portfolio segments using metrics related to credit quality, loan performance, collateral risk, industry concentrations, and loan underwriting exceptions.
• Researches assigned topics, designs analysis methodologies, and applies problem solving skills in performing ad hoc analysis projects. Participates in and supports specialized and advanced analytics activities such as portfolio stress testing, automated credit decisioning processes, credit modeling and loss forecasting.
• Builds expertise in agricultural and consumer credit, finance and technology to support being an active partner and risk management resource for the Credit Department and other departments across the Association.
• Represents the Risk Management & Analytics department on applicable Association committees, workgroups or project teams. Coordinate with other Farm Credit System (FCS) institutions and FCS workgroups as applicable.
• Manages assigned work with minimal direction delivering a high degree of accuracy, quality and timely completion.
• Applies functional knowledge and judgment to evaluate information and make informed decisions. 
• Anticipates needs, manages competing priorities, and proactively communicates status or risks. 
• Supports process improvements by identifying gaps and recommending practical solutions. 
• Collaborates effectively across teams to advance shared goals and business outcomes. 
• Serves as a resource to less experienced team members through informal guidance.

The Lead Risk Analyst:

• Performs and oversees comprehensive portfolio analysis and reporting across multiple segments, applying advanced critical thinking to assess credit quality, loan performance, collateral risk, industry concentrations, and underwriting exceptions, while ensuring analytical thoroughness and consistency across the team.
• Leads complex, specialized, and ad hoc analytical initiatives, including portfolio stress testing, automated credit decisioning, credit modeling, and loss forecasting, by defining analytical approaches, guiding methodology development, and providing technical direction to less tenured analysts.
• Serves as a senior risk management advisor and subject‑matter expert in agricultural and consumer credit, finance, and technology, partnering with the Credit Department and cross‑functional stakeholders to support sound risk decisions and strategic initiatives across the Association.

• Leads and contributes to cross‑functional projects, committees, and workgroups by representing the Risk Management & Analytics department, coordinating with Farm Credit System (FCS) institutions and workgroups, and influencing outcomes through expertise and collaboration.
• Applies advanced expertise to independently manage complex, high-impact work. 
• Balances risk, quality, and business priorities using advanced judgment and foresight. 
• Leads or significantly contributes to initiatives that enhance processes, systems, or outcomes. 
• Consults with partners across functions to provide insight, recommendations, and solutions. 
• Mentors others to build technical and professional capability across the team. 

Education & Experience

• High school diploma/GED with 7 years of relevant experience required.
• Bachelor's degree with 3 years of relevant experience preferred.

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.