Hybrid Balance Sheet Strategy & Analytics Analyst

Pathward, National Association

United States

Hybrid

USD 86,000 - 145,000

Full time

14 days+

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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.