Financial Analyst

Job description

Description The consumer credit Financial Analyst is responsible for the ongoing credit performance, risk management and delinquency monitoring of the company’s home improvement loan portfolio. This role contributes heavily to the end-to-end monitoring, analysis, and optimization of loan performance, ensuring that repayment, delinquency, cure rates, and charge-offs remain within the company’s risk appetite and financial targets. The Financial Analyst is a member of the analytical credit risk team focused on development, testing and implementation of new or enhanced strategies to improve future loan portfolio performance. Watercress Financial is a home improvement lender originating across the United States. Candidates should be comfortable working in a highly entrepreneurial company where smart ideas, fast analysis, and thinking ahead are high-value personal traits. RESPONSIBILITIES: - Create and maintain monitoring reporting for consumer loan portfolio performance - Provide analysis and back-testing to minimize delinquency and charge off, while optimizing loan approval, look-to-book rates, and repayment rates. - Detect emerging credit risk trends in the economy, market or portfoli...