Balance Sheet Strategy Analyst

Pathwardcareerfair; United States; Hybrid; USD 86,000 - 145,000; Full time

Job summary

Pathward is seeking a Balance Sheet Strategy Analyst to design and maintain the financial models, data workflows, dashboards, and reporting used to support the Bank's loan sale and broader balance sheet optimization strategies.

The role evaluates loan sales, participations, syndications, and other off-balance-sheet alternatives by analyzing pricing, transaction structures, portfolio impacts, expected financial outcomes, ROA modeling, and required data capture for retained and transferred

Qualifications

• Bachelor's degree in finance, accounting, economics, business or data analytics, information systems, mathematics, or a related field.
• Two to five years of experience in banking, commercial lending, treasury, capital markets, portfolio analytics, FP&A, or transaction advisory.
• Strong financial modeling skills, including valuation, cash flow analysis, forecasting, and scenario analysis; advanced Excel proficiency required.
• Experience developing Power BI data models and dashboards and working with large loan-level or financial datasets.
• Experience with data integration platforms (Matillion, Alteryx, Azure Data Factory, dbt, Informatica) is preferred; SharePoint experience is beneficial.
• Ability to independently structure complex analytical problems and communicate clear recommendations to technical and nontechnical stakeholders.
• Knowledge of loan-sale, syndication, securitization, or balance sheet management is preferred.

Responsibilities

• Own and enhance models, dashboards, and data workflows for loan portfolio strategy.
• Analyze pricing, sale proceeds, gain/loss on sale, retained economics, and capital impacts.
• Develop valuation, cash flow, profitability, and balance sheet forecasting models.
• Develop ROA and balance sheet optimization models for portfolio performance.
• Identify loans/portfolios for potential sale based on economics and fit.
• Support loan-sale lifecycle: valuations, bid comparisons, forecasts, post-transaction analysis.
• Build Power BI data models and dashboards; use SQL/Matillion to integrate data.
• Define data capture, reporting, and governance for off-balance-sheet activities.
• Establish validation, reconciliation, change-control, and documentation standards.
• Track transactions, translate results into recommendations, present to management.

Skills

Financial modeling

Forecasting

Scenario analysis

Advanced Excel

Independent problem structuring

Communication to stakeholders

Advanced analytics

Data architecture

Power BI and SQL

Balance sheet optimization

Education

Bachelor's degree in finance, accounting, economics, business or data analytics

Tools

Power BI

SQL

Matillion

SharePoint

Alteryx

Azure Data Factory

dbt

Informatica

Job description

Join Pathward and Empower Your Future!

We are a hybrid, remote-office company dedicated to growing talent from anywhere!

Our Onsite Locations:

• Sioux Falls, SD
• Scottsdale, AZ
• Louisville, KY
• Troy, MI
• Franklin, TN
• Easton, PA

About Us:

At Pathward, our mission is to create financial inclusion for all™. We are a financial empowerment company partnering with innovators to enhance financial availability, choice, and opportunity for everyone. Our goal is to eliminate the barriers that traditional institutions place on financial access, promoting economic mobility by offering responsible, secure, and high-quality financial products.

Why Pathward?

We are a team of problem solvers and innovators who value and celebrate diversity. Our unique perspectives make us stronger and position us for success. At Pathward, we embrace our team members through our HUMBLEHUNGRY SMART approach, and we believe our strength comes from listening to the voices of our employees, customers, partners, and the communities we serve.

Join Us:

If you are passionate about making a difference and want to be part of a team that values your unique contributions, we would love to meet you!

About the Role:

The Balance Sheet Strategy Analyst designs and maintains the financial models, data workflows, dashboards, and reporting used to support the Bank's loan sale and broader balance sheet optimization strategies. The role evaluates loan sales, participations, syndications, and other off-balance-sheet alternatives by analyzing pricing, transaction structures, portfolio impacts, expected financial outcomes, ROA modeling, and required data capture for retained and transferred exposures for existing and new products.

This is an analytics and solution-development role rather than a process-management position. The analyst will use Excel, Power BI, SQL, Matillion, SharePoint, and related platforms to turn loan-level data into scalable decision tools and actionable recommendations.

What You Will Do:

• Own and enhance the models, dashboards, and data workflows supporting loan portfolio strategy; build financial models comparing hold, sell, participation, syndication, and other alternatives.
• Analyze pricing, expected sale proceeds, gain or loss on sale, retained economics, funding-cost savings, capital impacts, and future revenue tradeoffs.
• Develop valuation, cash flow, profitability, balance sheet forecasting, and scenario models incorporating rates, credit performance, prepayments, market pricing, and transaction timing.
• Develop ROA and balance sheet optimization models for historical portfolio performance and new business origination, incorporating asset yield, funding cost, capital usage, credit risk, liquidity impact, and strategic balance sheet objectives.
• Identify and evaluate loans and portfolios for potential sale based on economics, strategic fit, concentration, and balance sheet usage.
• Support the loan-sale lifecycle through portfolio stratifications, valuation, bid comparisons, transaction recommendations, forecasts, and post-transaction performance analysis.
• Build Power BI data models and dashboards and use SQL, Matillion, or comparable tools to integrate data, automate recurring analysis, and improve visibility into inventory, pipeline, pricing, and results.
• Define data capture, reporting, and governance requirements for off-balance-sheet activities, including fields needed to monitor sold, participated, syndicated, or otherwise transferred exposures and assess ongoing economics and risk.
• Establish validation, reconciliation, change-control, and documentation standards for models and recurring analytical outputs; maintain organized materials in SharePoint.
• Track transactions against assumptions, translate results and investor feedback into recommendations, and present findings to management and governance committees.

What You Will Need:

• Bachelor's degree in finance, accounting, economics, business or data analytics, information systems, mathematics, or a related field.
• Two to five years of experience in banking, commercial lending, treasury, capital markets, portfolio analytics, FP&A, or transaction advisory.
• Strong financial modeling skills, including valuation, cash flow analysis, forecasting, and scenario analysis; advanced Excel proficiency required.
• Experience developing Power BI data models and dashboards and working with large loan-level or financial datasets; working knowledge of SQL preferred.
• Experience with Matillion, Alteryx, Azure Data Factory, dbt, Informatica, or another data‑integration platform preferred; SharePoint experience is beneficial.
• Ability to independently structure complex analytical problems and communicate clear recommendations to technical and nontechnical stakeholders; loan‑sale, syndication, securitization, commercial loan pricing, or balance sheet management experience preferred.
• Advanced analytics
• Data architecture
• Power BI and SQL
• Forecasting and balance sheet optimization

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $86,000 – $145,000

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.

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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.