Apply on Employer Site

Sunward · 12 hours ago

Portfolio Analytics Manager

Albuquerque,NM,US

Full-time

Onsite

Senior Level

6+ years exp

Sunward is seeking a Portfolio Analytics Manager responsible for analyzing and enhancing the performance of SLFCU’s loan portfolio. This role involves developing data-driven strategies, collaborating with various departments, and providing insights into loan trends and performance metrics to align with the credit union’s strategic goals.

BankingFinancial ServicesNon Profit

Comp. & Benefits

H1B Sponsor Likely

Responsibilities

Analyze loan product performance, identifying trends related to delinquency, charge-offs, 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 charge-offs and CECL calculations to support the Allowance for Loan Loss

Conduct and communicate standard and ad hoc stress testing scenarios to determine portfolio vulnerabilities and resilience to various economic scenarios

Develop and maintain key risk metrics, including delinquency ratios, net charge-off ratios, and early-stage delinquency trends

Establish thresholds for key risk indicators and provide breach monitoring and escalation procedures for corrective action

Build dashboards to monitor risk factors and present these insights to management and key stakeholders, enabling real-time decisions

Support remediation efforts by partnering with relevant risk leaders to provide portfolio risk mitigation strategies

Present portfolio performance insights and recommendations to relevant committees, including Credit Portfolio Analysis Meeting

Benchmark SLFCU’s portfolio performance against peers and competitors to identify performance gaps and propose actionable underwriting 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 risk management and reporting, including interactive tools for loan portfolio visualization

Build and maintain quantitative models for scenario analysis, credit risk modeling, and forecasting, utilizing statistical methods (e.g., correlation, regression)

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

Partner with business users to interpret data findings, providing risk insights and suggesting potential adjustments to business strategies

Support Special Assets with financial reporting and effectiveness metrics

Assist in identifying and testing robust data and modeling solutions for stress testing and credit analytics

Build and maintain a forecasting framework for portfolio performance metrics

Serve as admin for the Akuvo platform in creating or generating tickets to enhance metrics, systems, and efficiencies

Manage project onboarding for new vendors that support technology efficiencies for Special Assets

Perform other duties as assigned

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

Qualification

Portfolio AnalysisData VisualizationFinancial AcumenStatistical MethodsMicrosoft OfficeLoan UnderwritingRegulatory KnowledgeProblem-SolvingCollaborationProject Management

Required

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

Strong knowledge of regulatory requirements, including FDCPA, FCRA, SCRA, and others

Familiarity with loan underwriting, collections, and financial statement analysis

Solid understanding of asset recovery and liquidation including applicable regulatory reporting requirements

Strong knowledge of consumer lending, and related collection practices

Strong financial acumen with experience in budgeting, forecasting, and P&L management

Familiar with Allowance for Loan Loss calculation under Current Expected Credit Loss (“CECL”) standard

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

Minimum six years' combined experience in financial portfolio analysis, consumer and commercial loan underwriting requirements, collections, 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

Frequent periods of sitting at a desk and working on a computer

Must be able to lift 20 pounds at times

Company

Sunward

Sunward, formerly known as Sandia Laboratory Federal Credit Union (SLFCU), is one of New Mexico’s largest credit unions, serving 170,000+ 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

Represents job field similar to this job

Trends of Total Sponsorships

2022 (2)