Portfolio Analyst

📋 Description

• Evaluate delinquency, charge-offs, roll rates, cure rates, recoveries, loss trends, and concentration across lending portfolios with a comprehensive analysis based on collateral type, geography, product, and borrower characteristics.

• Oversee portfolio performance in relation to risk appetite, forecasts, and budgetary constraints.

• Identify and escalate potential risk trends/signals and behavioral changes in delinquency, charge-offs, concentrations, underwriting standards, policy exceptions, and overall loan portfolio performance to safeguard the health of Connexus lending portfolios.

• Perform quantitative and qualitative analyses to support risk-related decision-making processes, including the introduction of new lending programs.

• Create and uphold comprehensive risk dashboards, heatmaps, early warning indicator (EWI) metrics, and recurring performance reports that deliver clear, timely, and actionable insights across all Connexus lending portfolios.

• Convert data into clear, actionable insights, including recommendations for action directed to Enterprise Risk or Credit Risk leadership.

• Assist business unit partners and management with ad hoc reporting as required.

• Facilitate executive and board-level reporting requests concerning recoveries, risk exposure, and trends as necessary.

• Aid in loss forecasting, recovery projections, and stress scenarios.

• Conduct proactive analysis and modeling, including stress tests, static pool analysis, scenario analysis, and detailed reporting to pinpoint emerging risks within Connexus loan portfolios.

• Assess the impact of strategic changes, policy shifts, or economic conditions on Connexus loan portfolios.

• Ensure accuracy in reporting and maintain data integrity across various systems.

• Provide support for audits, examinations, and model validation requests as required.

• Maintain documentation for assumptions, methodologies, and metrics.

• Manage and oversee the loan analytics platform (nCino), ensuring data integrity and system optimization.

• Guarantee compliance with company policies, procedures, and regulatory requirements related to risk management.

• Assist in the maintenance and updating of risk management and lending policies to ensure alignment with industry best practices and organizational objectives.

• Lead and facilitate the Enterprise/Credit Risk Committee meetings, including agenda preparation, reporting, and documentation.

• Collaborate with first line of defense business partners, including Collections/Recovery, Institutional, Direct and Indirect Lending, Loan Operations, Vendor Management, Compliance, Finance, Data, and IT, to ensure continuity and accuracy of reporting and analysis.

• Support the evaluation, maintenance, and development of third-party vendor relationships.

• Participate in test-and-learn initiatives and ongoing improvement efforts.

• Assess the effectiveness of collections strategies, treatments, and channels.

• Assist in segmentation models (risk, balance, behavior, hardship indicators).

• Measure strategy lift, marginal ROI, and cost-to-collect by segment.

• Provide insights to enhance early-stage intervention and late-stage recovery.

⛳️ Requirements

• A Bachelor's Degree, or equivalent experience, is required.

• A minimum of 3 years of experience in credit risk, collections analytics, portfolio risk, or financial services analytics is required.

• Proficiency in SQL, Tableau, Power BI, nCino, or similar BI tools.

• Familiarity with collections platforms (e.g., AKUVO, Fiserv).

• Advanced proficiency in Microsoft Office Suite, particularly in Excel and PowerPoint.

• Advanced Excel skills, including the use of formulas, pivot tables, macros, charts, queries, etc.

• Strong analytical mindset with the ability to comprehend and interpret large data sets, draw significant conclusions, and translate them into recommendations or alternative solutions regarding specific actions, while providing executive-ready insights.

• Proven ability to establish robust relationships with internal and external stakeholders to foster risk awareness and accountability.

🏝️ Benefits

• 25 days of paid time off and 10 paid holidays.

• 16 hours of paid Volunteer Time Off.

• 401K Retirement plan with up to 6% employer match.

• Comprehensive Health, Dental, and Vision insurance with multiple plan options.

• Health Savings Account with generous employer contributions.

• Employer-paid Life insurance, Short-Term, and Long-Term Disability.

• Tuition Reimbursement ranging from $4,000 to $7,000 per calendar year.

• A robust Learning and Development program that includes an annual professional development stipend.