Portfolio Analyst

This is a fully remote position, open to applicants in Arizona, +15 more states.

📋 Description

• Assess portfolio performance, focusing on delinquency rates, defaults, loss patterns, concentrations, and exposure limits.

• Detect early warning signs and potential areas of emerging credit or operational risk.

• Analyze financial statements, payment histories, and borrower performance to determine ongoing creditworthiness.

• Suggest modifications to risk ratings based on financial outcomes and other pertinent factors.

• Create and implement action plans aimed at minimizing portfolio risk and enhancing performance.

• Generate regular portfolio reports, trend analyses, and presentations for management review.

• Collaborate with Credit, Sales, Operations, and Asset Management on portfolio strategies and risk mitigation initiatives.

• Supply analysis and supporting data for discussions within the credit committee.

• Assess the effectiveness of current credit policies, scorecards, and decision-making processes.

• Keep accurate records and supporting documentation in line with internal policies and audit requirements.

• Support special projects related to portfolio analytics, financial modeling, and strategic planning.

⛳️ Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field.

• Minimum of three years’ experience in portfolio analysis, credit analysis, credit risk, operational risk, or a similar role in financial services.

• Strong skills in financial statement analysis and credit evaluation.

• Advanced proficiency in Microsoft Excel and experience in developing financial models.

• Ability to interpret complex data sets and effectively communicate findings and risk considerations.

• Experience with risk-rating methodologies and metrics for portfolio performance.

• Background in data analytics, including regression analysis or comparable statistical techniques.

• Previous experience in equipment leasing, commercial lending, or a related asset-based finance sector.

• Knowledge of business development functions and commercial decision-making processes.

• Familiarity with credit scorecards or automated decisioning tools is preferred.

• Analytical mindset and intellectually curious.

• Strategic thinker with a forward-looking perspective.

• Innovative in tackling complex business and risk-related challenges.

• Excellent written and verbal communication skills.

• Proficient in collaborating with stakeholders across various departments.

• Highly accountable, organized, and detail-oriented.

• Capable of balancing portfolio protection with objectives for business growth.

🏝️ Benefits

• Additional benefits and compensation details will be discussed during the interview process.