Loan Portfolio Risk Analyst

Schedule

This position is hybrid and remote eligible for up to 40% of the time. The office location is at ESL Corporate Headquarters in Rochester, NY. Hours are Monday–Friday, 8:00 a.m.–5:00 p.m. (40 hours per week). Must be flexible to meet current and future business needs.

Benefits

• Wellness program
• Family assistance plan
• 401(k) with match
• Paid volunteer time
• Learning & Development training
• Additional options supporting work–life balance

Pay

Starting pay: $43.75 per hour. Eligible employees also receive an annual performance-based incentive rewarding contributions to organizational success.

About the role

The Loan Portfolio Risk Analyst supports ESL's lending strategy through analysis of portfolio performance and credit risk trends. This role helps the organization understand changes in credit quality and underwriting outcomes, provides insights that support lending decisions and portfolio management activities, and strengthens ESL's approach to credit risk management through analytical expertise and continuous learning.

Responsibilities

Portfolio Analysis & Monitoring

• Analyze portfolio performance to identify meaningful trends and emerging risk indicators
• Monitor key measures of credit quality and communicate findings to stakeholders
• Evaluate changes in portfolio performance and recommend areas for further review
• Support ongoing monitoring activities that inform lending decisions
• Compare performance to benchmarks to help inform performance and future recommendations

Risk Insights & Reporting

• Develop reporting and analysis that supports credit risk management activities
• Research drivers of portfolio performance and summarize findings for stakeholders
• Support the preparation of reports used by management and governance groups
• Help identify opportunities to improve reporting effectiveness and efficiency

Lending Strategy Support

• Evaluate underwriting outcomes and portfolio performance across lending products
• Support analysis related to proposed underwriting, policy, or strategy changes
• Assist with risk assessments that support lending initiatives
• Contribute analytical insights that support business decision-making

Business Partnership

• Collaborate with business partners to address analytical questions and information needs
• Support cross-functional projects through analysis and reporting
• Communicate findings in a clear and meaningful manner

Professional Development

• Maintain knowledge of credit risk management practices and industry trends
• Participate in professional development opportunities
• Share knowledge and best practices with team members
• Perform other related duties as assigned or appropriate to support business needs

Qualifications

• Bachelor's degree in Finance, Economics, Mathematics, Statistics, Data Science, Business Analytics, or a related field, or 4 years of directly related experience in credit risk, financial analysis, portfolio analytics, risk management, or a related field
• Minimum of 2 years of experience in credit risk, financial analysis, portfolio analytics, risk management, or a related field
• Demonstrated experience analyzing data and interpreting results
• Demonstrated ability to identify trends and evaluate risk indicators
• Critical thinking, strong analytical, interpersonal, and communication skills
• Alignment with ESL's Core Values, mission, vision, and purpose to help the community thrive and prosper

Preferred Qualifications

• Familiarity with banking products, services, and business processes
• Exposure to lending products and underwriting concepts
• Proficiency using SQL, Python, R, or similar analytical tools
• Experience using data visualization tools
• Familiarity with portfolio performance analysis