Credit Portfolio Analyst II (Structured Finance)
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What you'll do
- 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.
What they're looking for
- 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 have
- 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
Summarised by NextRaise from the employer’s description, which follows in full below.
Full description from employer
We are a hybrid, remote-office company dedicated to growing our talent anywhere!
We have onsite locations in: Sioux Falls, SD, Scottsdale, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.
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 *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
About the Role:
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.
What You Will Do:
- 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.
What You Will Need:
- 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.
- 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
- 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
The responsibilities listed above are not all inclusive and may be changed at any time.
Salary range: $60,000 – $100,500
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.
#LI-Remote
Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.
Who we are:
Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.
Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – careers@pathward.com
Please click here to view Pathward's Applicant Privacy Notice.
Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.
Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.
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Company
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