Portfolio Analyst

Key Responsibilities

• Analyze portfolio performance, including delinquency levels, defaults, loss trends, concentrations, and exposure limits
• Identify early warning indicators and areas of emerging credit or operational risk
• Review financial statements, payment history, and borrower performance to evaluate ongoing creditworthiness
• Recommend changes to risk ratings based on financial performance and other relevant factors
• Develop and support action plans designed to reduce portfolio risk and improve performance
• Produce recurring portfolio reports, trend analyses, and management-level presentations
• Collaborate with Credit, Sales, Operations, and Asset Management on portfolio strategy and risk-mitigation initiatives
• Evaluate the effectiveness of existing credit policies, scorecards, and decisioning processes
• Maintain accurate records and supporting documentation consistent with internal policies and audit requirements
• Assist with special projects involving portfolio analytics, financial modeling, and strategic planning

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related discipline
• At least three years of experience in portfolio analysis, credit analysis, credit risk, operational risk, or a related financial services role
• Strong financial statement analysis and credit assessment capabilities
• Advanced proficiency with Microsoft Excel and experience developing financial models
• Ability to interpret complex data and clearly communicate findings and risk considerations
• Experience working with risk-rating methodologies and portfolio performance metrics
• Background in data analytics, including regression analysis or similar statistical techniques
• Previous experience in equipment leasing, commercial lending, or another asset-based finance environment
• Familiarity with business development functions and commercial decision-making
• Experience with credit scorecards or automated decisioning tools is preferred

Professional Attributes

• Analytical and intellectually curious
• Strategic and forward-looking
• Creative in approaching complex business and risk-related challenges
• Strong written and verbal communication skills
• Effective at collaborating with stakeholders across multiple departments
• Highly accountable, organized, and attentive to detail
• Capable of balancing portfolio protection with business growth objectives

Pay

Base salary range: $65,000–$85,000

Schedule

N/A