Reporting to the Vice President of Finance, the Financial Analyst will focus on product pricing and profitability, as well as balance sheets, including fixed income risk/reward analysis.
Monitor loan portfolio performance, concentrations, and trends to identify emerging risks.
Analyze large data sets leveraging credit risk analytics platform to review loan pools.
Recommend strategies to enhance profitability, engagement, and growth.
Conduct independent fundamental research and analysis on assigned companies/sectors, develop financial models, and provide investment recommendations, credit ratings and outlooks.
Collaborate closely with the accounting to identify compelling investment opportunities, emphasizing relative value analysis from both issuer and sector perspectives.
Deliver monthly, quarterly, and ad hoc reports to senior leaders with interpretation of results and actionable recommendations.
Evaluate secondary market pricing and investor guidelines (e.g., Fannie Mae), and support pricing strategy development to improve margin optimization.
Monitor and report on credit risk exposures and trends. Provide recommendations to mitigate potential credit risks.
Monitor financial markets, current events, and economic trends to identify opportunities and risks.

Bachelor's degree in Accounting, Finance, Economics, related field required or equivalent work experience in lieu of degree.
Master’s of Business Administration preferred.
A minimum of 4 years of experience in commercial credit analysis or financial modeling and analysis, with demonstrated leadership in model development preferred.
Expert-level proficiency in Microsoft Excel and advanced financial modeling preferred.
Familiarity with financial models such as CECL, ALM, capital planning and stress testing, sensitivity analyses, and budget/forecast.

Financial Analyst

Key skills