Balance Sheet Strategy Analyst

We need to output HTML fragment with sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We must not repeat job title. Must not include Job ID etc. Must preserve all substantive info. Remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, application instructions. We need to parse the posting. First paragraph: "We are a hybrid, remote-office company dedicated to growing our talent anywhere! We have onsite locations in: Sioux Falls, SD, Phoenix, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA. At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products. We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve." That's company overview; not a specific section heading. Could be part of "About the role"? Actually there is a heading "About the Role:" later. The earlier paragraph is more about company. We could include that as part of "About the role"? But the instruction: Use

for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we need to create sections with those headings if content exists. We have "About the Role:" heading in the posting. So we should create

About the role

and put the content under it (the paragraph after "About the Role:"). Then "What You Will Do:" corresponds to Responsibilities. So

Responsibilities

with list of duties. Then "What You Will Need:" corresponds to Requirements/Qualifications/Skills. We need to split appropriately. The posting includes bullet-like list: Bachelor's degree..., Two to five years..., Strong financial modeling skills..., Experience developing Power BI..., Experience with Matillion..., Ability to independently..., Advanced analytics Data architecture Power BI and SQL Forecasting and balance sheet optimization (looks like a list of skills). We need to decide sections: Requirements, Qualifications, Skills. The instruction says prefer a few substantive sections over many thin ones. We could combine Requirements and Qualifications into one? But we have to follow headings list; we can include only those with real content. We could put education and experience under "Requirements", technical skills under "Skills", and maybe "Qualifications" could be omitted if not distinct. However we need to preserve all substantive info. We can put education+experience under "Requirements". Then skills under "Skills". "Qualifications" could be omitted if no distinct content beyond those. But we have "Qualifications" heading in the list; we could treat "What You Will Need:" as qualifications, but we already used for requirements. Might be better to map: "What You Will Need:" -> Requirements (education + experience) and Skills (technical). Qualifications could be omitted. But we also have "Advanced analyticsData architecturePower BI and SQLForecasting and balance sheet optimization" which seems like a list of skills (no punctuation). We'll treat as skills. Now Benefits: The posting mentions: "Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more." Also earlier: "This role is also eligible for an annual performance-based incentive opportunity." That's part of compensation/benefits. So we can create Benefits section with those items. Pay: Salary range: $86,000 – $145,000 plus note about performance-based incentive. So we need Pay section. Schedule: Not mentioned explicitly. The posting does not state schedule (e.g., full-time, hybrid). It mentions hybrid remote-office company, onsite locations. Could infer schedule but not explicit. We should not create Schedule section unless posting actually states it. It does not explicitly state schedule (like full-time, hours). So omit Schedule. Now we need to remove boilerplate: EEO, scam warning, application instructions, privacy policy, etc. Also remove duplicated lines. Also remove the line "The responsibilities listed above are not all inclusive and may be changed at any time." That's boilerplate? It's a generic disclaimer; could be considered boilerplate. The instruction: remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The "responsibilities listed above are not all inclusive" is a legal disclaimer; maybe consider legal boilerplate; better to remove. Also remove "Your recruiter can share more about the specific salary for your location during the hiring process." That's part of Pay description but maybe keep? It's about salary determination; could be considered part of Pay. It's not boilerplate; it's substantive about how pay determined. Keep. Also remove "Ranges may be modified in the future." That's also about Pay; could keep as part of Pay. Also remove "Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles." That's application encouragement; could be considered boilerplate? It's not EEO but it's encouraging to apply; maybe considered application instructions? The instruction says remove application instructions. This is encouraging to apply; could be considered application instruction. Safer to remove. Also remove "Pathward is an equal employment opportunity employer..." that's EEO boilerplate; remove. Also remove "Who we are: Our commitment to inclusion is woven into our DNA..." that's EEO/boilerplate; remove. Also remove "Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices." etc. Remove. Also remove "Applicants with disabilities may be entitled to reasonable accommodation..." etc. Remove. Also remove "For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – careers@pathward.com" Remove. Also remove "Please click here to view Pathward's Applicant Privacy Notice." Remove. Also remove "Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted." Remove. Also remove "Knowingly submitting false information will result in disqualification..." Remove. Also remove "Candidate Scam Warning We encourage you to be cautious of hiring scams that impersonate Pathward. Copy and paste the following URL into your browser to learn more: https://www.pathward.com/about-us/people-culture/careers/" Remove. Now we need to preserve all substantive information: company overview (first paragraph) maybe we should include as part of "About the role"? The "About the Role:" section already has description. The earlier paragraph is about company; could be considered part of "About the role" or maybe we could create a separate section like "About the company" but not in allowed headings. Since only allowed headings are those listed, we should incorporate that content into one of those sections. Probably best to put it under "About the role" as an introductory paragraph before the role description. Or we could treat the first paragraph as part of "About the role". Let's do that. Thus

About the role

will contain: first paragraph (company overview) + the paragraph after "About the Role:" (the role description). Ensure we don't repeat heading. Now Responsibilities: list from "What You Will Do:" each sentence maybe as

. We'll extract each bullet-like sentence. Let's list them: - Own and enhance the models, dashboards, and data workflows supporting loan portfolio strategy; build financial models comparing hold, sell, participation, syndication, and other alternatives. - Analyze pricing, expected sale proceeds, gain or loss on sale, retained economics, funding-cost savings, capital impacts, and future revenue tradeoffs. - Develop valuation, cash flow, profitability, balance sheet forecasting, and scenario models incorporating rates, credit performance, prepayments, market pricing, and transaction timing. - Develop ROA and balance sheet optimization models for historical portfolio performance and new business origination, incorporating asset yield, funding cost, capital usage, credit risk, liquidity impact, and strategic balance sheet objectives. - Identify and evaluate loans and portfolios for potential sale based on economics, strategic fit, concentration, and balance sheet usage. - Support the loan-sale lifecycle through portfolio stratifications, valuation, bid comparisons, transaction recommendations, forecasts, and post-transaction performance analysis. - Build Power BI data models and dashboards and use SQL, Matillion, or comparable tools to integrate data, automate recurring analysis, and improve visibility into inventory, pipeline, pricing, and results. - Define data capture, reporting, and governance requirements for off-balance-sheet activities, including fields needed to monitor sold, participated, syndicated, or otherwise transferred exposures and assess ongoing economics and risk. - Establish validation, reconciliation, change-control, and documentation standards for models and recurring analytical outputs; maintain organized materials in SharePoint. - Track transactions against assumptions, translate results and investor feedback into recommendations, and present findings to management and governance committees. Now Requirements: education and experience. - Bachelor's degree in finance, accounting, economics, business or data analytics, information systems, mathematics, or a related field. - Two to five years of experience in banking, commercial lending, treasury, capital markets, portfolio analytics, FP&A, or transaction advisory. Now Skills: list of technical skills. - Strong financial modeling skills, including valuation, cash flow analysis, forecasting, and scenario analysis; advanced Excel proficiency required. - Experience developing Power BI data models and dashboards and working with large loan-level or financial datasets; working knowledge of SQL preferred. - Experience with Matillion, Alteryx, Azure Data Factory, dbt, Informatica, or another data-integration platform preferred; SharePoint experience is beneficial. - Ability to independently structure complex analytical problems and communicate clear recommendations to technical and nontechnical stakeholders; loan-sale, syndication, securitization, commercial loan pricing, or balance sheet management experience preferred. - Advanced analytics - Data architecture - Power BI and SQL - Forecasting and balance sheet optimization Note: The last four items appear as a line: "Advanced analyticsData architecturePower BI and SQLForecasting and balance sheet optimization". Probably they are separate skills: Advanced analytics, Data architecture, Power BI and SQL, Forecasting and balance sheet optimization. We'll split them. Now Benefits: list. - Health insurance - 401(k) retirement benefits - Life insurance - Disability benefits - Paid time off - More (comprehensive benefits package) - Annual performance-based incentive opportunity (maybe part of benefits or pay). We'll include under Benefits as "Annual performance-based incentive opportunity". Now Pay: Salary range: $86,000 – $145,000. Also note: "The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future. This role is also eligible for an annual performance-based incentive opportunity." We'll include that as prose. Now we must not include Schedule. Now produce HTML fragment with

headings and

• for lists,

  for prose. We need to ensure we don't include empty sections. Let's craft. First, About the role: combine company