Lending Pricing Analyst
About The Position
Travis Credit Union’s (TCU) Lending Pricing Analyst conducts data analysis to provide pricing strategy recommendations for all loan products to senior management that are competitively priced while remaining profitable and meeting target goals. This position is responsible for analyzing market trends, developing financial models, and providing actionable insights that optimize the pricing of our lending products. By translating complex data into clear, strategic recommendations, this role will support our goals of remaining competitive, driving profitability, and managing risk effectively.
Requirements
- Quantitative & Analytical Proficiency – Strong ability to analyze financial data, pricing models, and market trends to optimize lending rates.
- Strategic Pricing Frameworks – Understanding of pricing strategies like cost-plus pricing, value-based pricing, and dynamic pricing.
- Market Research & Competitive Analysis – Ability to assess market conditions and competitor pricing to make informed decisions.
- Financial Analysis – Expertise in evaluating loan profitability, risk assessment, and financial forecasting.
- Data Visualization & Reporting – Proficiency in tools like Excel, Tableau, Power BI, and SQL to present pricing insights.
- Communication & Negotiation – Ability to collaborate with stakeholders, explain pricing strategies, and negotiate lending terms.
- Bachelor’s degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or equivalent related work experience.
- Minimum of 2 years professional experience in Lending Pricing Analytics or Business Analytics.
- Minimum of 2 years utilizing analytic tools to create dynamic visualizations, key performance indicators, and solutions to inform business decisions and strategy.
Nice To Haves
- Data Visualization certification (i.e. Tableau Certification), or SQL Certification desired.
Responsibilities
- Monitors and analyzes market trends, competitor pricing, and economic conditions to ensure competitive loan pricing strategies.
- Uses financial models and data analytics to evaluate the performance of loan products and recommend adjustments.
- Develops, implements, and optimizes pricing models/strategies for loan products such as mortgages, auto loans, credit cards, and personal loans.
- Works closely with sales, program development, and risk management teams to align pricing strategies with business goals.
- Ensures that pricing policies comply with industry regulations and company standards.
- Generates reports on loan product performance, pricing effectiveness, and market competitiveness, such as risk-based pricing models, market competitiveness analysis, profitability assessments, projected impact analysis, scenario analysis, or similar.
Benefits
- Competitive medical, dental, and vision insurance
- Mental health and wellness programs
- Employee performance incentive plan
- Merit-based salary increases
- 401(k) program with immediately vested employer match
- Generous holiday and vacation policies
- Exclusive TCU perks such as employee loan and credit card discounts
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Number of Employees
501-1,000 employees
