Balance Sheet Strategy Analyst

This is a fully remote position, open to applicants in Arizona, +5 more states.

📋 Description

• Take ownership of and improve models, dashboards, and data workflows that support the loan portfolio strategy.

• Create financial models that evaluate options such as holding, selling, participation, syndication, and other alternatives.

• Conduct analysis on pricing, anticipated sale proceeds, gains or losses upon sale, retained economics, funding-cost savings, capital impacts, and future revenue trade-offs.

• Develop valuation, cash flow, profitability, balance sheet forecasting, and scenario models.

• Create ROA and balance sheet optimization models for both historical portfolio performance and new business origination.

• Identify and assess loans and portfolios for potential sale based on economic factors, strategic alignment, concentration, and balance sheet utilization.

• Assist in the loan-sale lifecycle by performing portfolio stratifications, valuations, bid comparisons, transaction recommendations, forecasts, and post-transaction performance assessments.

• Construct Power BI data models and dashboards, utilizing SQL, Matillion, or similar tools to integrate data and automate ongoing analyses.

• Specify data capture, reporting, and governance requirements for off-balance-sheet activities.

• Set standards for validation, reconciliation, change-control, and documentation; keep organized materials in SharePoint.

• Monitor transactions against assumptions, convert results and investor feedback into actionable recommendations, and present insights to management and governance committees.

⛳️ Requirements

• A Bachelor's degree in finance, accounting, economics, business or data analytics, information systems, mathematics, or a related discipline.

• Between two to five years of experience in banking, commercial lending, treasury, capital markets, portfolio analytics, FP&A, or transaction advisory.

• Proficient in financial modeling, including valuation, cash flow analysis, forecasting, and scenario analysis; advanced Excel skills are essential.

• Experience in developing Power BI data models and dashboards and working with large loan-level or financial datasets; familiarity with SQL is preferred.

• Background in using Matillion, Alteryx, Azure Data Factory, dbt, Informatica, or another data-integration platform is desirable; experience with SharePoint is advantageous.

• Capability to independently structure intricate analytical challenges and effectively communicate clear recommendations to both technical and non-technical stakeholders; preference for candidates with experience in loan-sale, syndication, securitization, commercial loan pricing, or balance sheet management.

• Advanced analytics knowledge.

• Expertise in data architecture.

• Proficient in Power BI and SQL.

• Skills in forecasting and balance sheet optimization.

🏝️ Benefits

• Annual performance-based incentive opportunity.

• Health insurance coverage.

• 401(k) retirement plan benefits.

• Life insurance protection.

• Disability benefits.

• Paid time off.

• Comprehensive benefits package available for eligible employees.