Senior Consumer Loan Administration & Portfolio Analyst

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 providing risk assurance.

The incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:

•  Focus - Focus your full attention by carefully listening to and observing client or member.

•  Connect - Consistently be friendly and approachable. Demonstrate your care.

•  Understand - Listen empathetically and ask questions (70%/30% rule).

•  Counsel - Recommend solutions based on your member’s needs and objectives.

•  Advance - Ensure that member’s expectations were exceeded.

•  Verify necessary follow-up actions.

JOB KNOWLEDGE, SKILLS & ABILITIES

The following knowledge, skills, and experience are required for this position:

• 4+ years in the consumer lending field.

• Must be a highly dynamic individual that can work independently, is a self-starter, and that can master new tasks quickly.

• A multi-tasker that is flexible and that can manage a wide range of responsibilities, prioritize tasks, and work on multiple assignments to meet business needs is optimal.

• A track record of superior work performance and demonstrated commitment to outstanding results is essential.

• Must possess excellent analytical, time management, and interpersonal skills to provide support for this critical function within the department. Strong analytical, comprehension, and problem-solving skills, as well as strong verbal and written communication skills are necessary.

• Must have a focus on and ability to provide timely and accurate data and results as data integrity of resultant reports and analysis may be used when making management decisions regarding consumer loan originations, underwriting, and servicing.

• Must be proficient with SQL and database queries, PowerBI, and complex spreadsheets.

• Must possess technical knowledge of loan origination and servicing platforms, plus regulations, policies, and procedures related to consumer lending.

• Proficiency in utilizing Microsoft Office programs including Word, Excel, and PowerPoint is required.

• Working knowledge of merger and acquisition processes, credit reporting, and loan protection products, collateral titling and UCC requirements is important.

• Working knowledge of the follow regulations: Reg Z – Truth in Lending Act; Reg B – Equal Credit Opportunity Act (ECOA); Fair Credit Reporting Act (FCRA); Fair and Accurate Credit Transactions Act (FACTA); Fair Credit Billing Act (FCBA); Unfair or Deceptive Acts or Practices Act (UDAPA); Fair Debt Collection Practices Act (FDCPA); Servicemembers Civil Relief Act (SCRA); Military Lending Act (MLA).

EDUCATION REQUIRED

• Bachelor’s degree in business or related field is required.

DISCLAIMERS AND WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening.  Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources