Note: The job is a remote job and is open to candidates in USA. Connexus Credit Union is a member-focused cooperative that serves members across all 50 states. The Portfolio Analyst role focuses on driving analytics and insights that influence lending strategy, portfolio performance, and risk governance, while collaborating with cross-functional leaders to present executive-level insights.
Responsibilities
- Analyze delinquency, charge-offs, 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
- Conducts quantitative and qualitative analysis to support risk-related decision-making processes including new lending programs
- Develop and maintain wholistic risk dashboards, heatmaps, early warning indicator (EWI) metrics and reoccurring 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
- 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
- Partner with Finance on budget planning and variance analysis
- 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, procedures and job aides ensuring alignment with industry best practices and organizational objectives
- Assist VP of ERM with facilitation of 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
Skills
- Bachelors Degree, or commensurate experience is Required
- 3+ years' experience in credit risk, portfolio risk, or financial services analytics is Required
- Prior experience working in a consumer loan underwriting, operations or processing role within a bank or credit union is Required
- Experience with SQL, Tableau, Power BI, Looker, nCino or similar BI tools is Required
- Proficiency within Microsoft Office Suite with advanced Excel and PowerPoint skills is Required
Benefits
- 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
Company Overview