Remote Credit Portfolio Analyst II - Structured Finance

Pathward, N.A.; Sioux Falls (SD); Hybrid; USD 60,000 - 101,000; Full time

Benefits offered by this job

Annual incentive

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward, N.A. in Sioux Falls region seeks a Credit Analytics professional to develop reports and analyses on loan portfolios, support credit administration deliverables, and provide analytical insights.

The role emphasizes concentration analysis, portfolio performance, and data-driven decision support. You will contribute to data standardization, process improvements, and collaboration with leadership to enable efficient data capture, reporting, and forecasting across lines of business.

Qualifications

• Bachelor's degree or equivalent education and work experience.
• 3+ years experience.
• Experience in quantitative methods, 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
• Driven and self-directed yet collaborative in approach
• Strong business and technical acumen and ability
• Solid understanding of lending practices and processes

Responsibilities

• 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.

Skills

3+ years experience

Quantitative methods

Data science

Lending software

Education

Bachelor's degree or equivalent

Tools

SSRS

Crystal Reports

Oracle BI

Tableau

Microsoft Access

Job description

Pathward, N.A. in Sioux Falls region seeks a Credit Analytics professional to develop reports and analyses on loan portfolios, support credit administration deliverables, and provide analytical insights.

The role emphasizes concentration analysis, portfolio performance, and data-driven decision support. You will contribute to data standardization, process improvements, and collaboration with leadership to enable efficient data capture, reporting, and forecasting across lines of business.