Balance Sheet Strategy Analyst

Pathward, National Association; United States; Hybrid; USD 86,000 - 145,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward, National Association seeks a Balance Sheet Strategy Analyst to design and maintain financial models, data workflows, dashboards, and reporting that support loan sale strategies and balance sheet optimization.

The role analyzes pricing, proceeds, ROA, and capital impacts across hold, sell, participation, and syndication options, turning loan-level data into scalable decision tools using Excel, Power BI, SQL, Matillion, and SharePoint.

Qualifications

• Bachelor's degree in finance or 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.
• Experience developing Power BI data models and dashboards and working with large loan-level or financial datasets.
• Experience with data-integration platforms such as Matillion, Alteryx, Azure Data Factory, dbt or Informatica; SharePoint experience is beneficial.
• Ability to independently structure complex analytical problems and communicate recommendations to technical and nontechnical stakeholders; loan-sale, syndication, securitization, or balance sheet management experience preferred.
• Advanced analytics
• Data architecture
• Power BI and SQL
• Forecasting and balance sheet optimization

Responsibilities

• 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.

Skills

Advanced analytics

Data architecture

Power BI

SQL

Forecasting

Balance sheet optimization

Excel

Education

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

Tools

Matillion

SharePoint

Alteryx

Azure Data Factory

dbt

Informatica

Power BI

Job description

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 area 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*SMARTapproach, 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:

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

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.

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.

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.

Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws.

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.