Lending Portfolio Analyst

Job description

Description Job Summary: Responsible for the analysis and performance of SLFCU’s loan portfolio. Assists with the development of data-driven strategies to assess and enhance loan performance. Collaborates with various departments to provide insight into loan portfolio trends and performance metrics that align with the credit union’s strategic goals to become the economic engine of the Southwest. Essential Job Duties: Portfolio Analysis: - 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 i...