Loan Portfolio Risk Analyst

ESL All Companies•Rochester, NY

2d•Hybrid

About The Position

The Loan Portfolio Risk Analyst supports ESL's lending strategy through analysis of portfolio performance and credit risk trends. This role helps the organization understand changes in credit quality and underwriting outcomes. The analyst provides insights that support lending decisions and portfolio management activities. Through analytical expertise and continuous learning, this position helps strengthen ESL's approach to credit risk management.

Requirements

Bachelor's degree in Finance, Economics, Mathematics, Statistics, Data Science, Business Analytics, or a related field, or 4 years of directly related experience in credit risk, financial analysis, portfolio analytics, risk management, or a related field
A minimum of 2 years of experience in credit risk, financial analysis, portfolio analytics, risk management, or a related field
Demonstrated experience analyzing data and interpreting results
Demonstrated ability to identify trends and evaluate risk indicators
Critical thinking, strong analytical, interpersonal, and communication skills
Demonstrates alignment with ESL’s Core Values, mission, vision, and purpose to help our community thrive and prosper

Nice To Haves

Familiarity with banking products, services, and business processes
Exposure to lending products and underwriting concepts
Proficiency using SQL, Python, R or similar analytical tools
Experience using data visualization tools
Familiarity with portfolio performance analysis

Responsibilities

Analyze portfolio performance to identify meaningful trends and emerging risk indicators
Monitor key measures of credit quality and communicate findings to stakeholders
Evaluate changes in portfolio performance and recommend areas for further review
Support ongoing monitoring activities that inform lending decisions
Compare performance to benchmarks to help inform performance and future recommendations
Develop reporting and analysis that supports credit risk management activities
Research drivers of portfolio performance and summarize findings for stakeholders
Support the preparation of reports used by management and governance groups
Help identify opportunities to improve reporting effectiveness and efficiency
Evaluate underwriting outcomes and portfolio performance across lending products
Support analysis related to proposed underwriting, policy, or strategy changes
Assist with risk assessments that support lending initiatives
Contribute analytical insights that support business decision-making
Collaborate with business partners to address analytical questions and information needs
Support cross-functional projects through analysis and reporting
Communicate findings in a clear and meaningful manner
Maintain knowledge of credit risk management practices and industry trends
Participate in professional development opportunities
Share knowledge and best practices with team members
Perform other related duties as assigned or appropriate to support business needs