Senior Consumer Loan Administration & Portfolio Analyst

VyStar Credit Union•Jacksonville, FL

2d•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 the various aspects of consumer lending and turning data into insightful and actionable analysis and information. The incumbent may be assigned to perform additional duties commensurate with their skillsets and abilities, such as participation in projects, ad-hoc reporting, and loan portfolio needs, ancillary loan protection products, and support of various department objectives. The incumbent will participate in department projects and credit union initiatives and may meet with various levels of management. The incumbent will additionally assist with system releases/upgrades and create and/or revise reports and dashboards for loan servicing and portfolio monitoring purposes. The incumbent will work with reporting software applications and therefore must demonstrate proficiency in utilizing the reporting capabilities of each application. Responsibilities extend as applicable to assisting with merger and acquisition (M&A) opportunities. During active mergers, the incumbent will participate in tasks essential to successfully executing a merger. The Senior Consumer Loan Administration & Portfolio Analyst will participate in and support the consumer lending due diligence assessment and will be required to review, analyze, and provide feedback on the existing portfolios and loan products of the prospective merger candidate, as well as document any inherent risk identified with the loan portfolios. Additionally, mapping of data and quality review of the data are 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 is optimal.
A track record of superior work performance and demonstrated commitment to outstanding results is essential.
Excellent analytical, time management, and interpersonal skills to provide support for this critical function within the department.
Strong analytical, comprehension, and problem-solving skills, as well as strong verbal and written communication skills are necessary.
Focus on and ability to provide timely and accurate data and results as data integrity of resultant reports and analysis may be used when making management decisions regarding consumer loan originations, underwriting, and servicing.
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 is required.
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).

Nice To Haves

Working knowledge of merger and acquisition processes, credit reporting, and loan protection products, collateral titling and UCC requirements is important.

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. Reporting will be of varying complexity for analysis and project planning, using data queried from the SQL Server or other sources. The incumbent must clearly understand the objectives of the analysis and project plus systems from which data is to be pulled to ensure the reports provide the desired information.
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.
As first line of defense, proactively help identify, assess, manage, and report risks within their domain of work.
Maintain vigilance in safeguarding operations while ensuring compliance with regulatory mandates.