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Frontwave Credit Union · 1 month ago

Business Intelligence Analyst, Lending (Onsite)

Oceanside, CA

Full-time

Onsite

Mid Level

$34.56/hr - $51.84/hr

3+ years exp

Frontwave Credit Union is a member-owned not-for-profit financial institution serving several counties in California. The Business Intelligence Analyst, Lending is responsible for supporting the lending division through data-driven analysis, performance report generation, and risk assessment to improve loan portfolio performance and ensure compliance with regulations.

CreditFinanceFinancial Services

Responsibilities

Analyze and manipulate complex, disparate data using spreadsheets, databases, and analytical tools to generate forecasts, actionable insights, and recommendations

Analyze application, production, and performance data across all loan portfolios (consumer, mortgage, commercial) to identify trends, investigate root causes, and recommend process or policy improvements

Monitor and analyze key portfolio metrics such as credit score trends, charge-offs, delinquency patterns, loan concentrations (by geography, collateral, borrower, NAICS, etc.), and compliance with internal policies and external regulations

Conduct risk segmentation, assess portfolio credit quality, and support compliance efforts, including HMDA and Fair Lending reporting and TRID guidelines

Provide ongoing reporting and insights to management, ALCO, and regulatory bodies, and contribute data to board reports, audits, and examinations

Support strategic planning by identifying emerging risks, conducting stress testing under various macroeconomic scenarios, and recommending policy or pricing adjustments

Monitor loan performance across portfolios, identifying risks, bottlenecks, and opportunities for improved efficiency, credit quality, and compliance

Evaluate secondary market pricing and investor guidelines (e.g., Fannie Mae), and support pricing strategy development to improve margin optimization

Analyze the performance of vehicle and credit card portfolios, including usage, delinquency, charge-offs, ROI of reward programs, and dealer relationships. Recommend strategies to enhance profitability, engagement, and growth

Collaborate with indirect lending teams to assess dealer scorecards and identify opportunities for improved partnerships

Assist the Business Intelligence team to develop and maintain dashboards and reports tracking key KPIs such as roll rates, cure rates, delinquency buckets, recovery ratios, approval/funding volumes, and originator performance

Collaborate with Business Intelligence and Information Technology teams to create and enhance automated reporting tools, ensuring data accuracy, consistency, and accessibility across departments

Assist with identifying, evaluating, and developing controls to mitigate risk and operational impacts

Analyze collections strategies and recommend improvements to enhance recovery and reduce charge-offs

Collaborate with various departments to assess reporting needs, develop data collection processes, and optimize workflows

Coordinate with IT and other teams on system implementations, updates, and special projects

Communicate data or production issues with key stakeholders and contribute to resolving them in a timely manner

Qualification

Data analysisLending analytics toolsDatabase skillsRisk-based pricingCredit scoring modelsRegulatory complianceAnalytical skillsProcess mappingTroubleshootingCommunicationCollaboration

Required

Minimum of two years working with data and enhanced reporting analytics or related experience preferably with a financial institution

Strong database skills, including working with advanced data sets, pivot tables, advanced database and statistical functions and methods

Strong analytical skills including analysis, data collection, process mapping and troubleshooting for root cause

Familiarity with FDCPA, FCRA, MLA, SCRA and other relevant lending regulations is a plus

Previous experience with lending analytics tools, such as nCino, a strong plus

Bachelor's degree from an accredited college or university with course work in business, finance, economics, statistics, computer Science, mathematics, management information systems or related field

Minimum of three years of experience in credit analysis, lending analytics, or a related financial services role, preferably at a credit union or community bank

Strong understanding of risk-based pricing, credit scoring models, and CECL standards