Portfolio Analyst
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Job Description
Portfolio Analyst driving analytics and insights at Connexus Credit Union. Focus on credit risk and portfolio performance to optimize loan performance and risk governance.
Responsibilities:
- Analyze delinquency, charge-offs, loss trends and concentration across lending portfolios including detailed review based on collateral type, geography, product, and borrower characteristics.
- Monitor portfolio performance against risk appetite, forecasts, and budget.
- Identify and escalate emerging risk trends/signals and behavioral shifts in delinquency, charge-offs, concentrations, underwriting standards, policy exceptions and overall loan portfolio performance to ensure the health of Connexus lending portfolios.
- Conduct quantitative and qualitative analysis to support risk-related decision-making processes including new lending programs.
- Develop and maintain wholistic risk dashboards, heatmaps, early warning indicator (EWI) metrics and reoccurring performance reports that provide clear, timely, and actionable insights across all Connexus lending portfolios.
- Translate data into clear, actionable insights including recommendations for action to Enterprise Risk or Credit Risk leadership.
- Support business unit partners and management with ad hoc reports as needed.
- Support executive and board level reporting requests on recoveries, risk exposure and trends as needed.
- Develop proactive analysis and modeling including stress tests, static pool analysis, scenario analysis and drill down reporting to identify emerging risks within Connexus loan portfolios.
- Model impact of strategy changes, policy shifts, or economic conditions on Connexus loan portfolios.
- Partner with Finance on budget planning and variance analysis.
- Ensure reporting accuracy and data integrity across systems.
- Support audits, exams, and model validation requests as needed.
- Maintain documentation for assumptions, methodologies, and metrics.
- Manage and maintain the loan analytics platform (nCino), including data integrity and system optimization.
- Ensure compliance with company policies, procedures, and regulatory requirements related to risk management.
- Assist in maintaining and updating risk management and lending policies, procedures and job aides ensuring alignment with industry best practices and organizational objectives.
- Assist VP of ERM with facilitation of the Enterprise/Credit Risk Committee meetings, including agenda preparation, reporting, and documentation.
- Partner 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 evaluation, maintenance, and development of third-party vendor relationships.
- Contribute to test-and-learn initiatives and continuous improvement efforts.
Requirements:
- Bachelors Degree, or commensurate experience is Required.
- 3+ years’ experience in credit risk, portfolio risk, or financial services analytics is Required.
- Prior experience working in a consumer loan underwriting, operations or processing role within a bank or credit union is Required.
- Experience with SQL, Tableau, Power BI, Looker, nCino or similar BI tools is Required.
- Proficiency within Microsoft Office Suite with advanced Excel and PowerPoint skills is Required.
Benefits:
- 25 days of paid time off and 10 paid holidays
- 16 hours of paid Volunteer Time Off
- 401K Retirement with up to 6% employer match
- Excellent Health, Dental, Vision insurance, including multiple plan options
- Health Savings Account with generous employer contributions
- Employer paid Life insurance, Short-Term and Long-Term Disability
- Tuition Reimbursement from $4,000 - $7,000 per calendar year
- Robust Learning and Development program that includes an annual professional development stipend
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