Balance Sheet Strategy Analyst

🕒 September 16

🇺🇸 United States – Remote

💵 $86k - $145k / year

⏰ Full Time

🟢 Junior

🟡 Mid-level

🧐 Strategy

👻 Ghost score 6%

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Pathward

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🛡️ Insurance

💼 Consulting

📦 Logistics

Insurance • Consulting • Logistics

Pathward is a federally registered financial institution that provides robust banking infrastructure, proven technology resource partners, and dynamic collaboration to assist third-party partners in delivering banking programs that meet customer demands. The company focuses on providing a variety of financial solutions including issuing, acquiring, digital payments, credit solutions, and professional tax solutions, among others. Additionally, Pathward supports commercial finance through working capital, equipment finance, structured finance, and insurance premium finance. Committed to financial inclusion, Pathward powers financial access and innovation through strategic partnerships, including efforts to support renewable energy loan growth.

📋 Description

• Design and maintain financial models, data workflows, dashboards, and reporting supporting the Bank's loan sale and balance sheet optimization strategies • Evaluate loan sales, participations, syndications, and other off-balance-sheet alternatives • Analyze pricing, transaction structures, portfolio impacts, expected financial outcomes, ROA modeling, and data capture for retained and transferred exposures • Own and enhance models, dashboards, and data workflows supporting loan portfolio strategy • Build financial models comparing hold, sell, participation, syndication, and other alternatives • Analyze sale proceeds, gain or loss on sale, retained economics, funding-cost savings, capital impacts, and future revenue tradeoffs • Develop valuation, cash flow, profitability, balance sheet forecasting, and scenario models • Develop ROA and balance sheet optimization models for historical portfolio performance and new business origination • Identify and evaluate loans and portfolios for potential sale • Support the loan-sale lifecycle through portfolio stratifications, valuation, bid comparisons, transaction recommendations, forecasts, and post-transaction performance analysis • Build Power BI data models and dashboards; use SQL, Matillion, or comparable tools to integrate data and automate recurring analysis • Define data capture, reporting, and governance requirements for off-balance-sheet activities • Establish validation, reconciliation, change-control, and documentation standards for models and recurring analytical outputs; maintain materials in SharePoint • Track 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 • Strong financial modeling skills, including valuation, cash flow analysis, forecasting, and scenario analysis • Advanced Excel proficiency required • Experience developing Power BI data models and dashboards • Experience working with large loan-level or financial datasets • Working knowledge of SQL preferred • Experience with Matillion, Alteryx, Azure Data Factory, dbt, Informatica, or another data-integration platform preferred • SharePoint experience beneficial • Ability to independently structure complex analytical problems and communicate clear recommendations to technical and nontechnical stakeholders • Loan-sale, syndication, securitization, commercial loan pricing, or balance sheet management experience preferred • Advanced analytics • Data architecture • Power BI and SQL • 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