Senior Consumer Loan Administration & Portfolio Analyst

Benefits

Additional Information

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. Senior Consumer Loan Administration & Portfolio Analyst Accountability Statement The Senior Consumer Loan Administration & Portfolio Analyst is responsible for providing operational and analytical support to the Consumer Loan Administration (CLA) Department, which includes performing research to determine current operational and/or reporting trends associated with the various aspects of consumer lending and turning data into insightful and actionable analysis and information. The incumbent may be assigned to perform additional duties commensurate with their skillsets and abilities. This can include participation in projects, ad-hoc reporting, and loan portfolio needs, ancillary loan protection products, and support of various department objectives. The incumbent will participate in department projects and credit union initiatives and may meet with various levels of management. The incumbent will additionally assist with system releases/upgrades and create and/or revise reports and dashboards for loan servicing and portfolio monitoring purposes. The incumbent will work with reporting software applications and therefore must demonstrate proficiency in utilizing the reporting capabilities of each application. Responsibilities extend as applicable to assisting with merger and acquisition (M&A) opportunities. During active mergers, the incumbent will participate in tasks essential to successfully executing a merger. The Senior Consumer Loan Administration & Portfolio Analyst will participate in and support the consumer lending due diligence assessment and will be required to review, analyze, and provide feedback on the existing portfolios and loan products of the prospective merger candidate, as well as document any inherent risk identified with the loan portfolios. Additionally, mapping of data and quality review of the data are inherent to the role. Job Description Essential Job Functions Participate in or lead efforts to design, generate and, analyze loan reports and create summarized analyses to monitor consumer loan originations and portfolio performance and identify activities warranting special attention and emerging trends, both positive and negative. Create reports, charts, tables, graphs, dashboards, and other visual aids that effectively communicate the results of analytical research and reporting. Recommend new or modified reporting methods and procedures to monitor the loan portfolio to identify concerns and growth opportunities, ensure regulatory compliance, and improve report content, completeness, and usefulness of information. Provide ad-hoc reporting as needed for department leadership or functional units within the department including Lending Analysts, Titles, Consumer Loan Servicing, and Credit Reporting. Reporting will be of varying complexity for analysis and project planning, using data queried from the SQL Server or other sources. The incumbent must clearly understand the objectives of the analysis and project plus systems from which data is to be pulled to ensure the reports provide the desired information. Collaborate with cross functional teams, and third parties as needed in support of department and credit union objectives. Provide support for department system release/upgrade testing. Participate in merger activities and make recommendations for all consumer lending aspects to include products, policies, procedures, processes, gap analysis, rates, existing loan portfolios, and conversions plus contract review and winddown. Collaborate with cross functional teams, and any identified third parties to document ongoing consumer lending efforts needed to prepare for Legal Day 1, through system conversion and post conversion. Participate in due diligence review of the consumer loan portfolio of the prospective merger candidate to determine expected performance of consumer loan portfolios through analysis of credit quality, underwriting standards, and loss and delinquency ratios. Represent consumer direct and indirect lending within M & A cross functional team. Perform other duties as assigned. All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by