Credit Risk Analyst Jobs in Florida (NOW HIRING)

At Space Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As a Senior Risk Analyst in our Melbourne Headquarters location, you will serves as a senior specialist responsible for leading complex risk management activities and supporting the ongoing maturity of the Enterprise Risk Management (ERM) and Operational Risk Management (ORM) program. This role independently executes enterprise and functional risk assessments, analyzes risk trends, develops management and boardlevel reporting, and acts as a subject matter expert for ERM methodologies. The Senior Risk Analyst partners closely with business leaders and provides guidance and mentorship to ERM Analysts. The Senior Risk Analyst will serve as a liaison to business units across the three lines of defense to identify, monitor and report enterprise risk for SCCU.

Why Join SCCU?

• Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members.
• Flexible Schedule Options: This position is Hybrid with 2 days per week required in office.
• Career Growth: We prioritize internal promotions and offer on-the-job training.

Senior Risk Analyst Key Responsibilities:

• Lead enterprisewide, operational, and compliance risk assessments, including scoping, facilitation, analysis, and documentation.
• Maintain and enhance enterprise risk registers, key risk indicators (KRIs), and issue management processes.
• Facilitate and oversee Risk & Control SelfAssessments (RCSAs) across business units as part of the organization’s operational risk program.
• Analyze risk trends, emerging risks, and control effectiveness to inform management decisionmaking.
• Develop highquality risk reports, dashboards, and presentations for executive management and boardlevel committees.
• Utilize Governance, Risk, and Compliance (GRC) tools to strengthen reporting across organizational risk assessments (enterprise and operational), analyses, risk appetite, and KRIs.
• Serve as a trusted ERM advisor to business units, providing guidance on risk identification, mitigation strategies, and risk ownership.
• Support risk appetite alignment and integration of ERM into strategic planning, governance, and key initiatives.
• Coordinate and support ERM governance activities, including committee materials and followup actions.
• Support regulatory examinations and internal/external audits related to enterprise risk management.
• Contribute to ERM framework, policy, methodology, and training enhancements.
• Train and provide technical guidance to ERM Analyst I and II Team Members.
• Participate in ERM training, awareness, and risk culture initiatives.
• Provide guidance to business units on risk identification and mitigation practices.
• Maintain relationships and effective communication with business units to gather risk information.

Senior Risk Analyst Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum level of knowledge, skills and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Strong working knowledge of ERM frameworks (e.g., COSO, ISO 31000) preferred.
• Demonstrated ability to independently lead risk assessments and complex risk analysis.
• Strong written and verbal communication skills with the ability to present risk information to senior leaders.
• Ability to exercise sound judgment and apply a riskbased approach to decisionmaking.
• Strong organizational skills with the ability to manage multiple priorities and meet deadlines.
• Strong attention to detail and organizational skills.
• Ability to analyze data and document risks clearly and accurately.
• Professional judgement and discretion
• Microsoft Office proficiency

Education and Training:

• Bachelor’s degree in Business, Risk Management, Finance, Accounting, or a related field, is required, Equivalent experience can be considered in lieu of a degree. Risk-related certification preferred.

Prior Experience:

• 3-5 years of recent and applicable risk management experience in at least one of the following areas: risk management, operational risk management, cyber security, compliance, audit, or a related discipline. Experience with leading and directing workflow, work intake, and prioritizing competing requests.

Senior Risk Analyst Compensation

• Starting Salary: $75,910 - $ 80,402 annually 
• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

SCCU Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

Work Schedule:

• Monday - Friday 8:00AM  - 5:00PM

About SCCU

 Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

I UNDERSTAND this application a legal document for purposes of your employment.  Upon acceptance of an offer with SCCU, I UNDERSTAND that I will be required to complete background, employment verifications, and drug screening.  I UNDERSTAND further that any misstatements or omissions in this application and pre-employment process can be considered falsification and will result in a decision not to hire me, or to discharge me if discovered after I am hired. I UNDERSTAND that the information requested regarding date of birth, race and sex is for the sole purpose of gathering the above information accurately, and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hired.

SCCU is a drug-free workplace. I understand that as a condition of my employment, I will be required to submit to any testing for the presence of drugs, and to submit to any procedure to assess my qualifications for employment.  If hired, I ALSO AGREE that if I am hired, my employment is for no definite time and may be terminated at any time without prior notice.