Analyst - Portfolio

Position Title

Portfolio Analyst

Position Summary

Portfolio Analyst is responsible for managing and analyzing the performance of TDECU loan portfolios. This role involves assessing loan risk, monitoring portfolio performance, preparing detailed reports, and providing recommendations to optimize portfolio performance and ensure compliance with regulatory requirements.

Essential Duties and Responsibilities

Responsible for development, implementation and production of daily business reporting, analytics and forecasting including delinquency and loss. Tracking and reporting of portfolio performance and emerging trends for lending risk analysis. Collaborates cross functionally to provide data and reporting for NCUA, CECL and individual business unit reporting Generates ad hoc reports for management on an as needed basis. Analyzes and collects data to recognize potential exposures and emerging risks relevant to TDECU lending portfolios Develops and maintains risk reporting processes, including periodic reports for management and stakeholders on risk exposures, trends, and key risk indicators for TDECU lending portfolios. Assists in creating risk dashboards and metrics to provide clear, timely, and actionable insights. Monitors risk exposure limits, highlight breaches, and elevate concerns as necessary. Ensures compliance with company policies, procedures, and regulatory requirements related to risk management. Assists in maintaining and updating risk management policies, ensuring alignment with industry best practices and organizational objectives. Collaborates with audit and compliance teams to facilitate risk-based internal and external audits. Conducts quantitative and qualitative analysis to support risk-related decision-making processes. Use analytical tools and software to assess risks, including Excel, risk modeling software, and statistical tools. Collaborates with teams across all lines of defense to support ad hoc reporting and analysis projects on an as needed basis. Provides analytical support and insights supporting performance and asset quality of TDECU lending products and portfolios.

Minimum Qualifications

Education

• Bachelors' degree or equivalent mix of education and experience is preferred.

Licensure

Experience

Knowledge, Skills, and Abilities

Physical Demands and Work Environment

(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and / or may be encountered while performing essential functions. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)

Disclaimer

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin, or other status protected by federal, state or local law. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

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