Portfolio Analyst

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🐊 Florida, Illinois, +7 weitere Bundesländer – Remote

🐊 Florida – Remote 🌽 Illinois – Remote 🌾 Iowa – Remote 🏈 Ohio – Remote 🚗 Michigan – Remote ❄️ Minnesota – Remote 🏰 Missouri – Remote 🤠 Texas – Remote 🧀 Wisconsin – Remote

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🟠 Senior

🧐 Analyst

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Connexus Credit Union

WebsiteLinkedInAlle Stellen

501 - 1000 Mitarbeiter

Gegründet 2019

🏦 Bankwesen

💸 Finanzen

💳 Fintech

Banking • Finance • Fintech

Connexus Credit Union ist ein Finanzinstitut, das seinen Mitgliedern eine breite Palette von Bankdienstleistungen anbietet, darunter Giro- und Sparkonten, Kredite, Kreditkarten und Versicherungsdienste. Es bietet verschiedene Lösungen für das persönliche und geschäftliche Banking, wie Hypotheken, Wohnungsbaukredite, Autokredite und Privatkredite. Connexus engagiert sich für die finanzielle Gesundheit der Mitglieder und bietet digitale Bankdienstleistungen, Finanzrechner und Bildungsressourcen an. Die Kreditgenossenschaft verfügt auch über ein Programm namens „Connexus Cares“ für gesellschaftliches Engagement und stellt Ressourcen zur Sicherheits- und Betrugsprävention bereit. Mitglieder haben Zugang zu praktischen Dienstleistungen wie Online-Banking, Geldautomaten und Telefonbanking.

Beschreibung

• Analyze delinquency, charge-offs, roll rates, cure rates, recoveries, 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 holistic risk dashboards, heatmaps, early warning indicator (EWI) metrics and recurring 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. • Support loss forecasting, recovery projections, and stress scenarios. • 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. • 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, ensuring alignment with industry best practices and organizational objectives. • Own and facilitate 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. • Evaluate effectiveness of collections strategies, treatments, and channels. • Support segmentation models (risk, balance, behavior, hardship indicators). • Measure strategy lift, marginal ROI, and cost-to-collect by segment. • Provide insights to improve early-stage intervention and late-stage recovery.

🎯 Anforderungen

• Bachelor's Degree, or commensurate experience is Required. • 3+ years of experience in credit risk, collections analytics, portfolio risk, or financial services analytics is Required. • Experience with SQL, Tableau, Power BI, nCino or similar BI tools. • Knowledge of collections platforms (e.g., AKUVO, Fiserv). • Proficient in Microsoft Office Suite with advanced Excel and PowerPoint skills. • Advanced Excel proficiency including use of formulas, pivot tables, macros, charts, queries etc. • Strong analytical mindset with ability to understand and interpret large data sets, draw meaningful conclusions and translate into both recommendations or alternative solutions regarding specific actions to take and by providing executive-ready insights. • Demonstrated ability to build strong relationships with internal and external stakeholders to promote risk awareness and accountability.

🏖️ Vorteile

• 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