Credit Portfolio Analyst II (Structured Finance)

Summary

Pathward is a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. The Credit Portfolio Analyst II will develop reports and analyses on loan portfolios, support credit administration and reserving requirements, monitor credit risks, and drive improvements in data quality, reporting, forecasting, and technology-enabled processes.

Responsibilities

• 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

Skills

• 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
• 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

Qualifications

Must Haves

• 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 Haves

• 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

Benefits

• Hybrid, remote-office work arrangement
• Annual performance-based incentive opportunity
• Health insurance
• 401(k) retirement benefits
• Life insurance
• Disability benefits
• Paid time off