Junaid Mithabha
About Junaid Mithabha
Junaid Mithabha is a Credit Risk Data Analyst at Desert Schools Federal Credit Union in Phoenix, Arizona, where he has worked since 2014. He holds a Bachelor's degree in Finance from the University of Houston-Downtown and actively contributes to community events.
Work at Desert Schools Federal Credit Union
Junaid Mithabha has served as a Credit Risk Data Analyst at Desert Schools Federal Credit Union since 2014. In this role, he is responsible for creating and maintaining table structures in the data warehouse, which includes optimizing table space through vacuuming processes. He also develops and maintains the Loan and Credit Committee Dashboard, which provides insights into risk tolerance and key risk indicators. Additionally, he prepares and presents the quarterly Credit Risk Executive Report to the Supervisory Committee, ensuring that key stakeholders are informed about credit risk metrics.
Education and Expertise
Junaid Mithabha earned a Bachelor's degree in Finance from the University of Houston-Downtown. His educational background provides a solid foundation for his work in credit risk analysis. He applies his knowledge of finance to analyze data and assess risk, contributing to the overall financial health of the credit union.
Community Involvement
Junaid Mithabha actively participates in community events, contributing to organizations such as United Way, Phoenix Children's Hospital, and Miracle Marathon. His involvement in these initiatives reflects a commitment to community service and support for local causes.
Credit Risk Analysis and Reporting
In his role, Junaid drives Fair Lending Analysis for quarterly and annual reviews of consumer, mortgage, and business loans. This analysis is crucial for ensuring compliance with fair lending regulations and assessing the credit union's lending practices. His work aids in identifying potential risks and enhancing the credit union's risk management strategies.