Lending Portfolio Analyst

Job Summary:

Responsible for the analysis and performance of Sunwards loan portfolio. Assists with the development of data-driven strategies and reporting to assess and enhance loan performance. Collaborates with various departments to provide insight into loan portfolio trends and performance metrics that align with the credit union’s strategic goals to become the economic engine of the Southwest.

Essential Job Duties:

Portfolio Analysis:

• Analyze loan product performance, identifying trends related to performance, growth, profitability, and overall portfolio health.
• Evaluate portfolio segmentation (e.g., loan types, geographies, credit scores) to identify areas of strength and risk, providing data insights for lending strategy adjustments.
• Collaborate with Finance to ensure accurate forecasting of origination and loan growth calculations to support the annual budget and growth targets. 
• Develop and maintain key risk metrics, including delinquency ratios, net charge-off ratios , profitability, loan portfolio performance and product trends.
• Build dashboards to monitor performance factors and present these insights to management and key stakeholders, enabling real-time decisions.
• Present portfolio performance insights and recommendations to relevant committees and Sunward Lending Leaders.
• Benchmark Sunward’s portfolio performance against peers and competitors to identify performance gaps and propose actionable adjustments.
• Monitor borrower and portfolio trends in response to changes in economic conditions, including interest rate movements, unemployment trends, and housing market dynamics.
• Provide data-driven insights to support the review of underwriting guidelines, credit risk policies, and loan pricing strategies.
• Assist with the design and development of dashboards for lending and reporting, including interactive tools for loan portfolio visualization.
• Enhance scenario analysis and market forecasting tools to optimize business strategies and capital planning.
• Monitor portfolio concentration risk (e.g., geographic concentration, borrower segments) and recommend adjustments to mitigate exposure.
• Provide insights beyond profitability and product performance or production to include but not limited to member experience, workforce management, and competitiveness.

Collaboration, Reporting and Project Management:

• Partner with business users to interpret data findings, providing insights and suggesting potential adjustments to business strategies.
• Support Lending with financial reporting and effectiveness metrics.
• Build and maintain a forecasting framework for portfolio performance metrics.
• Work with Project Management Officer (PMO) to facilitate the effective scoping, reporting, and management/implementation of the projects. 
• Directly and indirectly supports cross-functional teams of business unit leaders, analysts, internal stakeholders, and external partners (vendors) to facilitate the on-time.
• Perform other duties as assigned.

Experience & Education:

• Minimum six years’ combined experience in financial portfolio analysis, consumer and commercial loan underwriting requirements, or a closely related field
• Minimum bachelor’s degree in business administration, finance, accounting, data science or related field, or more than six years of related experience. 

Knowledge:

• Strong knowledge of regulatory requirements, including but not limited to Equal Credit Opportunity Act (ECOA), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) / Anti-Money Laundering (AML), UDAAP (Unfair, Deceptive, or Abusive Acts or Practices), Allowance for Credit Losses (CECL/IFRS9 standards)
• Familiarity with loan underwriting, loan origination, loan growth, and financial statement analysis.
• Strong financial acumen with experience in budgeting, forecasting, and P&L management.
• Familiar with statistical methods (e.g correlation, regressing, clustering, etc.)
• Knowledge of data visualization tools like Tableau or PowerBI, Oracle Business Intelligence, or similar tools. 

Required Skills/Abilities:

• Strong proficiency in Microsoft Office applications, particularly Word and Excel.
• Advanced analytical, quantitative, and problem-solving skills.
• Proven ability to analyze loan portfolio performance and communicate risks effectively.

Physical Requirements: 

Prolonged periods of sitting at a desk and working on a computer.

Must be able to lift 5 pounds at times.