Credit Portfolio Analyst II (Structured Finance)

Pathward; United States; Hybrid; USD 60,000 - 101,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward is seeking a Credit Analytics professional to develop reports on loan portfolios and provide analytical insights. The role focuses on concentration analysis, portfolio performance, and supporting credit administration deliverables.

The ideal candidate will have 3+ years of experience in quantitative methods, strong communication, and proficiency with reporting tools like SSRS, Crystal Reports, Oracle BI, and Tableau.

Qualifications

• Bachelor's degree or equivalent education and work experience.
• 3+ years experience in credit analytics or a related field.
• Experience with lending software and reporting tools (SSRS/Crystal Reports/Tableau/Oracle BI).
• Strong written and verbal communication, attention to detail.

Responsibilities

• Provide support in all aspects of credit analytics, reporting, data mining and methodologies; support reserving requirements.
• Analyze credit memo and write-off activity and communicate concerns to management.
• Ensure documentation for internal and external stakeholders and maintain change management.
• Identify opportunities for process improvement and standardization across business lines.
• Drive data quality, definitions, and data availability across systems.
• Support technology solutions to reduce manual processes and improve cycle times.
• Collaborate with leadership to enable efficient data capture, reporting and forecasting.
• Conduct special studies on portfolio risks and recommend data/parameter changes.
• Other duties as assigned.

Skills

Credit analytics

Data analysis

Communication skills

Education

Bachelor's degree or equivalent

Tools

SSRS

Crystal Reports

Oracle BI

Tableau

Microsoft Access

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 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.

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.

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

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.