Portfolio Analyst

First Electronic Bank; Salt Lake City (UT); On-site; USD 65,000 - 95,000; Full time

Job summary

First Electronic Bank (FEB) is seeking a Portfolio Analyst to support CECL modeling, data collection, and risk assessment. You will work with Credit, Finance, and Data teams to ensure accurate datasets and regulatory reporting.

The role emphasizes analytical accuracy, attention to detail, and the ability to translate model outputs into clear dashboards for internal stakeholders and auditors. Prior experience with CECL or impairment tools is a plus.

Qualifications

• Degree in Finance, Economics, Accounting, Mathematics, Statistics, Data Analytics, or related field.
• Strong analytical and quantitative skills.
• Previous experience with vended software, like Moody's Portfolio Analyzer or Impairment Studio preferred.
• Proficiency in Excel; basic familiarity with SQL, R, Python, and data visualization tools.
• Ability to work with large datasets and identify discrepancies.
• Strong organizational skills and attention to detail.

Responsibilities

• CECL data and modeling support, including dataset inputs and validation.
• Assist CECL models (PD, LGD, prepayment) execution.
• WARM methodology and Static Pool/Vintage Loss analysis.
• Maintain model documentation and version control.
• CECL reporting and variance analyses.
• Prepare schedules, workpapers, and dashboards for stakeholders and auditors.
• Identify trends in portfolio performance and model outputs.
• Support audit requests and regulatory alignment.
• Collaborate with Credit, Finance, Accounting and Data teams.
• Assist ad hoc analyses and projects related to credit risk.

Skills

Analytical skills

Quantitative skills

Data analysis

Detail-oriented

Cross-functional collaboration

Excel proficiency

SQL

Python

R

Data visualization tools

Education

Bachelor's degree in Finance, Economics, Accounting, Mathematics, Statistics, Data Analytics

Tools

Moody's Portfolio Analyzer

Impairment Studio

Excel

SQL

R

Python

Data visualization tools

Job description

At First Electronic Bank (FEB), we are driven by the purpose to make credit accessible to everyday Americans, and their businesses. Partnering with some of the most innovative FinTech companies in the nation, we offer a wide range of consumer and commercial credit products on a national basis. Offering revolving lines of credit, private-label credit cards, installment financing programs and more, FEB’s engages with strategic, collaborative partnerships, promoting services and products to provide the most beneficial consumer and commercial financing solutions.

The Portfolio Analyst supports the organization’s Current Expected Credit Losses (CECL) modeling, reporting, and analysis. This role assists in collecting, validating, and analyzing loan portfolio data to support allowance calculations, risk assessments, regulatory reporting, and management presentations. The ideal candidate has strong analytical skills, attention to detail, and a desire to grow within credit risk and financial modeling.

What You'll Do:

• CECL Data & Modeling Support
• Assist with preparing and validating monthly/quarterly CECL dataset inputs, ensuring accuracy and completeness.
• Support the execution of CECL models, including probability of default (PD), loss given default (LGD), and prepayment models.
• WARM methodology and Static Pool/Vintage Loss analysis.
• Help maintain model documentation and version control.
• Analysis & Reporting
• Assist in generating CECL allowance calculations and variance analyses.
• Prepare supporting schedules, workpapers, and dashboards for internal stakeholders and auditors.
• Identify trends in portfolio performance, credit quality, and model outputs.
• Controls, Compliance & Audit Support
• Support internal and external audit requests related to CECL processes and controls.
• Ensure CECL processes align with regulatory guidance and internal policies.
• Contribute to the enhancement of data quality procedures and risk controls.
• Cross-Functional Collaboration
• Partner with Credit, Finance, Accounting, and Data teams to gather required inputs and clarify assumptions.
• Support ad hoc analysis and special projects related to credit risk, loan portfolio performance, or regulatory changes.

What We're Looking For:

• Degree in Finance, Economics, Accounting, Mathematics, Statistics, Data Analytics, or related field.
• Strong analytical and quantitative skills.
• Previous experience with vended software, like Moody's Portfolio Analyzer or Impairment Studio preferred.
• Proficiency in Excel; basic familiarity with SQL, R, Python, and data visualization tools.
• Ability to work with large datasets and identify discrepancies.
• Strong organizational skills and attention to detail.

Preferred Qualifications:

• 3+ years of experience in financial services, banking, credit risk, accounting, or data analytics.
• Exposure to CECL methodology, ALLL, or other credit modeling frameworks.
• Experience with loan servicing or core banking systems.
• Understanding of credit risk metrics and loan portfolio structures.
• Analytical thinking
• Problem-solving
• Data accuracy and precision
• Ability to manage multiple priorities
• Initiative and willingness to learn complex financial concepts