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Sunward · 5 months ago

Lending Portfolio Analyst

Jefferson Branch

Full-time

Onsite

Mid, Senior Level

6+ years exp

Sunward is a consumer lending organization seeking a Lending Portfolio Analyst to enhance their loan portfolio performance. The role involves analyzing loan product performance, collaborating across departments, and providing data-driven insights to support strategic goals.

BankingFinancial ServicesNon Profit

Comp. & Benefits

H1B Sponsor Likely

Responsibilities

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

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

Qualification

Financial portfolio analysisData visualization toolsLoan underwriting knowledgeRegulatory knowledgeBudgetingForecastingAdvanced analytical skillsMicrosoft Office proficiencyProblem-solving skills

Required

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

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

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

Company

Sunward

Sunward, formerly known as Sandia Laboratory Federal Credit Union (SLFCU), is one of New Mexico’s largest credit unions, serving over 160,000 members and managing more than $4.1 billion in assets.

Founded in 1948

Albuquerque, New Mexico, USA

501-1000 employees

https://gosunward.org

H1B Sponsorship

Sunward has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

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Trends of Total Sponsorships

2022 (2)