Credit Portfolio Analyst II (Structured Finance)

Pathward, N.A.

1d•$60,000 - $100,500•Hybrid

About The Position

We are a hybrid, remote-office company dedicated to growing our talent anywhere! At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products. We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our HUMBLEHUNGRYSMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. Develop reports and analysis on various loan portfolios for processes such as concentration analysis, portfolio performance, etc. Provide support to routine and ad-hoc credit administration deliverables and analytical insights.

Requirements

Bachelor's degree or equivalent education and work experience.
3+ years experience.
Experience in quantitative methods/techniques, statistics, predictive modeling, data science or other analytical disciplines, required.
Written and verbal communication
Attention to detail
Driven and self-directed yet collaborative in approach
Strong business and technical acumen and ability
Solid understanding of lending practices and processes

Nice To Haves

Experience with lending software, SSRS, Crystal Reports, Oracle BI, Tableau, Microsoft Access, or similar applications, preferred.
Credit Risk Management work experience, inclusive of loss forecasting within a regional financial institution is preferred

Responsibilities

Provide support in all aspects of the credit analytics, reporting, data mining, methodologies; ensuring proper support for all reserving requirements (quantitative and qualitative) associated with decisions
Analyzes and reports on credit memo and write-off activity and monitors and communicates credit concerns to management
Provide support to ensure documentation is completed for internal and external stakeholders, and that effective change management is in place
Identify and execute opportunities for process improvement and standardization across business lines for the organization
Drive standard definitions around key data elements and identify and support projects related to achieving data consistency, availability and quality
Provide support and assist in driving the identification and implementation of technology solutions to reduce manual processes, enhance controls, improve cycle times, and support consistency where practical
Collaborate with leadership to enable an efficient data capture, reporting, and forecasting process
Conduct special studies on targeted portfolio risks; analyze and recommend changes to data improvement, portfolio setting and other key parameter settings such as correlation structure, probability of default/loss given default correlation, loan prepayment, etc.
Other duties as assigned.