Data Analyst - Lending

Job Summary

The Data Analyst analyzes, interprets, and translates complex data into actionable insights that support informed decision-making across University Federal Credit Union (UFCU). This role partners with stakeholders across multiple business units to understand business needs, develop analytical solutions, and deliver clear, accurate, and timely reporting and analysis. The Data Analyst applies strong analytical, technical, and communication skills to improve operational efficiency, member experience, risk management, and strategic outcomes.

The Data Analyst – Lending supports the development, management, and performance optimization of UFCU’s Lending functions. This role is responsible for analyzing performance, identifying growth opportunities, evaluating member behavior, and delivering insights that inform enterprise lending strategy and operational improvements. The Data Analyst partners closely with the Lending management team, Technology, Finance, Risk, MarCom, and Retail Experience teams to enhance performance, improve member outcomes, and support strategic initiatives.

The Data Analyst position is exempt and reports to Chief Lending Officer.

About UFCU

Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures.

In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:

• Purposefully Member-Obsessed: We are driven by a profound sense of empathy to deeply understand our Members’ needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members’ best interests, forever seeking to empower their financial success.
• Possibilities Reimagined: We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
• Performance Excellence Rooted in Unwavering Integrity: We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.

Essential Functions

Data Analysis and Insights 

• Monitor and analyze lending performance metrics including member experience, pain points, and risk impacts, generating insights to improve sales and service performance
• Analyzes structured and unstructured data from multiple sources to deliver timely, actionable insights that support iterative decision-making and business outcomes
• Develops and refines insights and recommendations in partnership with stakeholders to continuously improve business performance, operational effectiveness, and member experience

• Translates complex analytical findings into clear, concise narratives for technical and non-technical audiences

Reporting and Visualization 

• Designs, develops, and iteratively enhances reports, dashboards, and scorecards based on evolving business needs and stakeholder feedback
• Ensures accuracy, consistency, and integrity of data presented in reports and analytics deliverables
• Continuously evaluates and improves reporting solutions through feedback, testing, and learning to enhance usability, relevance, and efficiency

Business Partnership 

• Partners with stakeholders across centralized and decentralized business units to understand priorities, define analytical needs, and deliver incremental value
• Provides consultative analytical support to leaders and cross-functional teams to inform tactical and strategic decisions in fast-paced, evolving environments

• Serves as a trusted data partner by proactively identifying opportunities to leverage data more effectively

Data Management and Quality 

• Validates, cleans, and reconciles data to ensure accuracy and reliability of analysis

• Documents data definitions, assumptions, methodologies, and business rules to promote transparency, shared understanding, and reuse across teams

• Adheres to UFCU data governance, privacy, security, and compliance standards

Tools, Systems, and Process Improvement 

• Utilizes analytical tools, databases, and business intelligence platforms to extract, analyze, and visualize data

• Supports continuous improvement by identifying and prioritizing data-driven opportunities that streamline processes, improve outcomes, and increase value delivery

• Stays current on analytics best practices, tools, and techniques relevant to the role

Other Duties

• Participates in collaborative planning, prioritization, and review activities as appropriate to assigned teams or initiatives
• Adheres to all company policies, procedures, and business ethics codes
• Completes required regulatory training as assigned
• Maintains strict adherence to and compliance with all laws, rules, regulations, and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations

Knowledge

• Knowledge of data analysis methodologies, reporting practices, and data visualization principles

• Knowledge of relational databases, data structures, and data management concepts

• Knowledge of data governance, data privacy, and information security principles
• Knowledge of banking, payments, and digital financial services

Skills

• Advanced analytical and problem-solving skills with attention to detail

• Strong written, verbal and visual communication skills, including the ability to explain complex concepts clearly

• Proficiency in data analysis and reporting tools (e.g., SQL, Power BI, Tableau, Python, or similar; business intelligence platforms)

• Ability to manage multiple priorities and deliver high-quality work within deadlines

Abilities

• Ability to analyze complex information and synthesize insights into actionable recommendations

• Ability to collaborate effectively with cross-functional teams and diverse stakeholders and influence without authority

• Ability to work independently while also contributing as part of a team

• Ability to adapt to changing business needs and priorities

• Ability to understand operational processes and risk considerations

Core Competencies

• Demonstrating Member Obsession

• Puts themselves in the Member’s shoes
• Looks for friction points
• Makes it personalized and easy

• Demonstrating Performance Excellence

• Sets standards for elevating excellence
• Ensures elevated quality
• Takes responsibility
• Conducts continuous improvement

• Demonstrating Innovation

• Challenges current thinking
• Approaches change with a positive mindset

Experience

• Bachelor’s degree in Business, Finance, Analytics, Economics, or related field or equivalent experience in lieu of degree
• 2–3 years of business analysis or financial services experience
• Experience working with large datasets and multiple data sources
• Experience with BI tools
• Experience presenting insights and recommendations to senior management
• Must be bondable

Preferred Experience

• Experience in financial institution or fintech environment
• Experience supporting multiple business units or working in a matrixed or hybrid centralized/decentralized analytics environment
• Experience with advanced analytics, automation, or statistical modeling

Physical Demands

The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job.  Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Frequent

• While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
• Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.
• Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately.

Work Environment

The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job. 

• This position requires frequently working onsite at UFCU Plaza in Austin, Texas.
• This position may involve periodic stressful conditions.
• May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.
• Public contact position, requiring appropriate professional appearance.
• Frequent computer use at a workstation for up to two hours at a time.