Portfolio Analytics Manager

MJK Connections is excited to work on this highly impactful role with Sunward!  It's an incredible time to be joining a credit union with an extremely bright future.

Portfolio Analytics Manager

Job Summary:

Responsible for the analysis and performance of Sunward'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 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 Sunward'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.

Collaboration, Reporting and Project Management:

• 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.

Requirements

Required Skills/Abilities:

• 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.

Knowledge:

• 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.

Education and Experience:

• 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.

Physical Requirements:

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

Must be able to lift 20 pounds at times.