Senior Consumer Loan Administration & Portfolio Analyst

VyStar Credit Union•Jacksonville, FL

6d•Onsite

About The Position

The Senior Consumer Loan Administration & Portfolio Analyst is responsible for providing operational and analytical support to the Consumer Loan Administration (CLA) Department. This includes performing research to determine current operational and/or reporting trends associated with various aspects of consumer lending and transforming data into insightful and actionable analysis and information. The incumbent may also participate in projects, ad-hoc reporting, and support loan portfolio needs, ancillary loan protection products, and various department objectives. The role involves participation in department projects and credit union initiatives, potentially meeting with various levels of management. Additionally, the incumbent will assist with system releases/upgrades and create/revise reports and dashboards for loan servicing and portfolio monitoring. Proficiency in reporting software applications is essential. Responsibilities extend to assisting with merger and acquisition (M&A) opportunities, including participation in tasks essential to successfully executing a merger, consumer lending due diligence assessment, and reviewing/analyzing prospective merger candidates' portfolios and loan products, documenting any inherent risks. Data mapping and quality review are also inherent to the role.

Requirements

4+ years in the consumer lending field.
Highly dynamic individual that can work independently, is a self-starter, and that can master new tasks quickly.
A multi-tasker that is flexible and that can manage a wide range of responsibilities, prioritize tasks, and work on multiple assignments to meet business needs.
A track record of superior work performance and demonstrated commitment to outstanding results.
Excellent analytical, time management, and interpersonal skills.
Strong analytical, comprehension, and problem-solving skills.
Strong verbal and written communication skills.
Focus on and ability to provide timely and accurate data and results.
Proficient with SQL and database queries, PowerBI, and complex spreadsheets.
Technical knowledge of loan origination and servicing platforms, plus regulations, policies, and procedures related to consumer lending.
Proficiency in utilizing Microsoft Office programs including Word, Excel, and PowerPoint.
Bachelor’s degree in business or related field is required.

Nice To Haves

Working knowledge of merger and acquisition processes, credit reporting, and loan protection products, collateral titling and UCC requirements.
Working knowledge of the follow regulations: Reg Z – Truth in Lending Act; Reg B – Equal Credit Opportunity Act (ECOA); Fair Credit Reporting Act (FCRA); Fair and Accurate Credit Transactions Act (FACTA); Fair Credit Billing Act (FCBA); Unfair or Deceptive Acts or Practices Act (UDAPA); Fair Debt Collection Practices Act (FDCPA); Servicemembers Civil Relief Act (SCRA); Military Lending Act (MLA).

Responsibilities

Participate in or lead efforts to design, generate and, analyze loan reports and create summarized analyses to monitor consumer loan originations and portfolio performance and identify activities warranting special attention and emerging trends, both positive and negative.
Create reports, charts, tables, graphs, dashboards, and other visual aids that effectively communicate the results of analytical research and reporting.
Recommend new or modified reporting methods and procedures to monitor the loan portfolio to identify concerns and growth opportunities, ensure regulatory compliance, and improve report content, completeness, and usefulness of information.
Provide ad-hoc reporting as needed for department leadership or functional units within the department including Lending Analysts, Titles, Consumer Loan Servicing, and Credit Reporting.
Collaborate with cross functional teams, and third parties as needed in support of department and credit union objectives.
Provide support for department system release/upgrade testing.
Participate in merger activities and make recommendations for all consumer lending aspects to include products, policies, procedures, processes, gap analysis, rates, existing loan portfolios, and conversions plus contract review and winddown.
Collaborate with cross functional teams, and any identified third parties to document ongoing consumer lending efforts needed to prepare for Legal Day 1, through system conversion and post conversion.
Participate in due diligence review of the consumer loan portfolio of the prospective merger candidate to determine expected performance of consumer loan portfolios through analysis of credit quality, underwriting standards, and loss and delinquency ratios.
Represent consumer direct and indirect lending within M & A cross functional team.
Perform other duties as assigned.
Proactively help identify, assess, manage, and report risks within their domain of work.
Maintain vigilance in safeguarding operations while ensuring compliance with regulatory mandates.