Senior Lending Analyst (Onsite)

Overview

The Senior Lending Analyst is responsible for supporting the lending division through data-driven analysis, performance report generation, and risk assessment. This position provides valuable insights aimed at improving loan portfolio performance, enhancing underwriting standards, and ensuring compliance with internal policies, procedures, and regulatory guidelines. The analyst will also develop growth strategies and promote new business opportunities through comprehensive research and analysis. Additionally, this individual will enhance current data sets, metrics, and reports, as well as develop dashboards and insights for the credit union. The Lending Analyst will actively collaborate with both internal and external stakeholders to create innovative solutions and insights using data analysis tools to optimize lending strategies across all loan types (consumer, mortgage, commercial), including loan servicing and collections.

 

About Frontwave Credit Union:

Frontwave Credit Union is a member-owned not-for-profit financial institution serving San Diego, Riverside, and San Bernardino counties. Founded in 1952, we have grown to 13 branches with 120,000 members and manage over a billion in assets. At Frontwave Credit Union, we are focused on creating consumer solutions to provide our members and the communities we serve with products and services that enhance the quality of life for our members through exceptional service and the progressive application of technology.

 

What’s In It For You:Competitive pay, 401k matching, mortgage and auto discounts.9-27 days of PTO per year (based on tenure) and 11 paid holidays.Affordable medical, dental, vision health plans, and Flexible Spending Account.Employee Assistance Program with a variety of services.Career development, training, and coaching, mentoring; tuition reimbursement up to $4,000/year.Culture of excellence and continuous improvement.We strive to be the best place you’ve ever worked!

Responsibilities

Essential Duties and Responsibilities:

Includes the following non-inclusive list. Other duties may be assigned. All duties are to be performed in

compliance with applicable laws, regulations and Credit Union policies and procedures.

 

• Analyze and manipulate complex, disparate data using spreadsheets, databases, and analytical tools to generate forecasts, actionable insights, and recommendations.
• Analyze application, production, and performance data across all loan portfolios (consumer, mortgage, commercial) to identify trends, investigate root causes, and recommend process or policy improvements.
• Monitor and analyze key portfolio metrics such as credit score trends, charge-offs, delinquency patterns, loan concentrations (by geography, collateral, borrower, NAICS, etc.), and compliance with internal policies and external regulations.
• Conduct risk segmentation, assess portfolio credit quality, and support compliance efforts, including HMDA and Fair Lending reporting and TRID guidelines.
• Provide ongoing reporting and insights to management, ALCO, and regulatory bodies, and contribute data to board reports, audits, and examinations.
• Support strategic planning by identifying emerging risks, conducting stress testing under various macroeconomic scenarios, and recommending policy or pricing adjustments.
• Design, test, monitor, and assess statistical and predictive models to support business goals, including forecasts of loan growth, delinquency trends, and provisioning needs.
• Evaluate model performance and logic integrity through cross-validation, and assess data feeds, rule outputs, and scenario impacts.
• Maintain various databases, data warehouses, business definitions and documentation for all department-managed models.
• Monitor loan performance across portfolios, identifying risks, bottlenecks, and opportunities for improved efficiency, credit quality, and compliance.
• Evaluate secondary market pricing and investor guidelines (e.g., Fannie Mae), and support pricing strategy development to improve margin optimization.
• Analyze the performance of vehicle and credit card portfolios, including usage, delinquency, charge-offs, ROI of reward programs, and dealer relationships. Recommend strategies to enhance profitability, engagement, and growth.
• Collaborate with indirect lending teams to assess dealer scorecards and identify opportunities for improved partnerships.
• Assist the Business Intelligence team to develop and maintain dashboards and reports tracking key KPIs such as roll rates, cure rates, delinquency buckets, recovery ratios, approval/funding volumes, and originator performance.
• Collaborate with Business Intelligence and Information Technology teams to create and enhance automated reporting tools, ensuring data accuracy, consistency, and accessibility across departments.
• Assist with identifying, evaluating, and developing controls to mitigate risk and operational impacts.
• Analyze collections strategies and recommend improvements to enhance recovery and reduce charge-offs.
• Segment delinquent borrowers using advanced analytics to tailor collections strategies based on risk profiles and recovery potential.
• Collaborate with various departments to assess reporting needs, develop data collection processes, and optimize workflows.
• Coordinate with IT and other teams on system implementations, updates, and special projects.
• Communicate data or production issues with key stakeholders and contribute to resolving them in a timely manner. 

Qualifications

• Bachelor’s degree from an accredited college or university with course work in business, finance, economics, statistics, computer Science, mathematics, management information systems or related field.     
• Minimum of two years of experience in credit analysis, lending analytics, or a related financial services role.
• Experience with credit union/banking systems and loan origination systems is preferred.
• Experience with Fannie Mae/Freddie Mac underwriting guidelines.
• Familiarity with regulatory compliance requirements such as Fair Lending, HMDA, and CRA.
• Previous experience at a credit union or community bank is highly desirable.
• Knowledge of LOS platforms and mortgage disclosure requirements.
• Familiarity with indirect auto lending platforms and dealer networks.
• Understanding of vehicle valuation tools (e.g., NADA, Kelley Blue Book).
• Experience with credit card portfolio analysis and marketing strategy.
• Familiarity with credit bureau attributes and behavioral scoring models.
• Strong understanding of risk-based pricing, credit scoring models, and CECL standards.
• Experience with loan performance modeling tools (e.g., SAS, SQL, R, or Python)
• Minimum of two years working with data and enhanced reporting analytics or related experience preferably with a financial institution.
• Advance experience in PC literacy and understanding of computer software and applications used to support report development including, but not limited to SQL, Crystal Reports, Microsoft Office, Tableau, Power BI, Congnos is preferred.
• Strong knowledge of Structured Query Language (SQL), Oracle programming language, data mining techniques, and Business Intelligence Tools is preferred.
• Strong database skills, including working with advanced data sets, pivot tables, advanced database and statistical functions and methods.
• Strong analytical skills including analysis, data collection, process mapping and troubleshooting for root cause.
• General understanding of programming, database design and development, data sources and data feeds used to populate reports.
• Familiarity with FDCPA, FCRA, MLA, SCRA and other relevant lending regulations.

 Salary Range $38.01 - $57.01

Service Excellence Standards

When joining Frontwave Credit Union, you can expect to be a part of a workforce committed to the following Service Excellence standards: • We see it. We own it. We get it done. • We ignite positive experiences. • We do things right every time. • We are collaborators - united, cohesive and engaged • We innovate and evolve. • We create memorable experiences for life. • We starts with me.