Loan Portfolio Risk Analyst

ESL-Federal-Credit-Unio; City of Rochester (NY); Hybrid; USD 58,000 - 63,000; Full time

Benefits offered by this job

401k with match

Paid volunteer time

Learning & Development training

Job summary

ESL Federal Credit Union in Rochester, NY, is seeking a Loan Portfolio Risk Analyst to analyze portfolio performance and credit risk trends. You will help lenders understand changes in credit quality and underwriting outcomes while contributing to governance reporting and risk management practices.

The role requires a background in finance/analytics with at least two years in related fields, strong data interpretation skills, and proficiency with SQL, Python, and data visualization tools.

Qualifications

• Bachelor's degree in Finance, Economics, Mathematics, Statistics, Data Science, Business Analytics, or 4 years of related experience
• Minimum of 2 years of experience in credit risk, financial analysis, portfolio analytics, risk management, or related field
• Demonstrated experience analyzing data and interpreting results
• Demonstrated ability to identify trends and evaluate risk indicators
• Strong analytical, interpersonal, and communication skills
• Alignment with ESL’s core values and mission

Responsibilities

• Analyze portfolio performance to identify meaningful trends and emerging risk indicators
• Monitor key measures of credit quality and communicate findings to stakeholders
• Evaluate changes in portfolio performance and recommend areas for further review
• Support ongoing monitoring activities that inform lending decisions
• Compare performance to benchmarks to inform recommendations
• Develop reporting and analysis that support credit risk management activities
• Research drivers of portfolio performance and summarize findings for stakeholders
• Support preparation of reports for management and governance groups
• Identify opportunities to improve reporting effectiveness and efficiency
• Evaluate underwriting outcomes across lending products
• Support analysis related to underwriting, policy, or strategy changes
• Assist with risk assessments that support lending initiatives
• Provide analytical insights to support business decision-making
• Collaborate with business partners and cross-functional teams
• Communicate findings in a clear and meaningful manner

Skills

Critical thinking

Analytical skills

Interpersonal skills

Communication

Education

Bachelor's degree in Finance/Economics/Mathematics/Statistics/Data Science/Business Analytics

Tools

SQL

Python

R

Data visualization

Job description

Description

Hours:

40

Schedule:

This position is hybrid and remote eligible for up to 40% of the time. The office location for this position is at ESL Corporate Headquarters in Rochester, NY. Hours are Monday - Friday 8:00 a.m. - 5:00 p.m. Must be flexible to meet current and future business needs.

ESL offers a competitive benefits package which focuses on providing a work life balance for all employees. Our benefits include robust options such as our wellness program, family assistance plan, 401k with match, paid volunteer time and Learning & Development training among many others.

Pay and Incentive Plan:

Starting Pay: $43.75 per hour

In addition to competitive pay and benefits, we offer an annual performance-based incentive that rewards eligible employees for their contributions to our success.

Purpose:

The Loan Portfolio Risk Analyst supports ESL's lending strategy through analysis of portfolio performance and credit risk trends. This role helps the organization understand changes in credit quality and underwriting outcomes. The analyst provides insights that support lending decisions and portfolio management activities. Through analytical expertise and continuous learning, this position helps strengthen ESL's approach to credit risk management.

Accountabilities:

• Analyze portfolio performance to identify meaningful trends and emerging risk indicators
• Monitor key measures of credit quality and communicate findings to stakeholders
• Evaluate changes in portfolio performance and recommend areas for
  further review
• Support ongoing monitoring activities that inform lending decisions
• Compare performance to benchmarks to help inform performance and
  future recommendations
• Develop reporting and analysis that supports credit risk management
  activities
• Research drivers of portfolio performance and summarize findings for
  stakeholders
• Support the preparation of reports used by management and governance
  groups
• Help identify opportunities to improve reporting effectiveness and efficiency
• Evaluate underwriting outcomes and portfolio performance across lending products
• Support analysis related to proposed underwriting, policy, or strategy
  changes
• Assist with risk assessments that support lending initiatives
• Contribute analytical insights that support business decision-making

Business Partnership

• Collaborate with business partners to address analytical questions and
  information needs
• Support cross-functional projects through analysis and reporting
• Communicate findings in a clear and meaningful manner

Professional Development

• Maintain knowledge of credit risk management practices and industry
  trends
• Participate in professional development opportunities
• Share knowledge and best practices with team members
• Perform other related duties as assigned or appropriate to support business needs

Qualifications:

• Bachelor's degree in Finance, Economics, Mathematics, Statistics, Data
  Science, Business Analytics, or a related field, or 4 years of directly related experience in credit risk, financial analysis, portfolio analytics, risk management, or a related field
• In addition, a minimum of 2 years of experience in credit risk, financial analysis, portfolio analytics, risk management, or a related field
• Demonstrated experience analyzing data and interpreting results
• Demonstrated ability to identify trends and evaluate risk indicators
• Critical thinking, strong analytical, interpersonal, and communication skills
• Demonstrates alignment with ESL’s Core Values, mission, vision, and purpose to help our community thrive and prosper

Preferred Qualifications:

• Familiarity with banking products, services, and business processes
• Exposure to lending products and underwriting concepts
• Proficiency using SQL, Python, R or similar analytical tools
• Experience using data visualization tools
• Familiarity with portfolio performance analysis

We’re committed to diversity, equity, and inclusion. We believe we are a stronger, more successful organization because of this commitment. We strive to ensure a robust talent pool of qualified candidates with a variety of skillsets and capabilities for all our openings. We hire great people and welcome all new hires to our award-winning work environment, which has been recognized by the Great Place to Work Institute since 2010.

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.