Balance Sheet Strategy Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Design and manage financial models, data workflows, dashboards, and reporting that support the Bank's loan sale and balance sheet optimization strategies.

• Assess loan sales, participations, syndications, and various off-balance-sheet alternatives.

• Conduct analyses on pricing, transaction structures, portfolio impacts, expected financial outcomes, ROA modeling, and data capture for retained and transferred exposures.

• Oversee and enhance models, dashboards, and data workflows that support loan portfolio strategies.

• Create financial models to compare holding, selling, participation, syndication, and other alternatives.

• Evaluate sale proceeds, gains or losses on sales, 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 opportunities.

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

• Construct Power BI data models and dashboards; utilize SQL, Matillion, or similar tools to integrate data and automate recurring analyses.

• Define requirements for data capture, reporting, and governance pertaining to off-balance-sheet activities.

• Establish standards for validation, reconciliation, change control, and documentation for models and recurring analytical outputs; maintain materials in SharePoint.

• Monitor transactions against assumptions, translate results and investor feedback into recommendations, and present findings to management and governance committees.

⛳️ Requirements

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

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

• Proficient financial modeling skills, including valuation, cash flow analysis, forecasting, and scenario analysis.

• Advanced proficiency in Excel is required.

• Experience in developing Power BI data models and dashboards.

• Familiarity with large loan-level or financial datasets is essential.

• Working knowledge of SQL is preferred.

• Experience with Matillion, Alteryx, Azure Data Factory, dbt, Informatica, or other data integration platforms is preferred.

• SharePoint experience is advantageous.

• Ability to independently structure complex analytical problems and clearly communicate recommendations to both technical and non-technical stakeholders.

• Preferred experience in loan sales, syndication, securitization, commercial loan pricing, or balance sheet management.

• Expertise in advanced analytics.

• Knowledge of data architecture.

• Proficiency in Power BI and SQL.

• Skills in forecasting and balance sheet optimization.

🏝️ Benefits

• Equal employment opportunity employer.

• Reasonable accommodation for applicants with disabilities under the ADA and applicable state or local laws.