Asset Quality & Model Analyst

Job Description

REQUIREMENTS

• 3+ years of experience in financial services, credit operations, quality control, risk management, compliance, model monitoring, loan review, credit analysis, or a related analytical function.
• Experience applying established review criteria to loan-level data, credit files, origination documentation, collateral documentation, or lending operations outputs.
• Experience analyzing portfolio performance, asset quality indicators, credit policy exceptions, loan defects, remediation items, or operational risk trends.
• Experience using Excel, Google Sheets, SQL, business intelligence tools, reporting tools, or similar systems to organize, analyze, and quality-check structured data.
• Experience documenting findings, exceptions, issue status, remediation progress, or review results for risk, compliance, credit, operations, audit, bank partner, or regulatory stakeholders.

Preferred

• Experience with loan file review, quality control, pre-sale quality control, investor delivery, or loan salability review in unsecured lending products.
• Knowledge of secured lending and secondary-market quality expectations, including investor eligibility standards, collateral documentation, lien perfection, representations and warranties, defect remediation, trailing performance thresholds, or repurchase risk.
• Experience tracking and interpreting asset quality or portfolio performance indicators such as early payment default, delinquency, prepayment, loss severity, non-performing loan trends, or credit policy exception rates.
• Knowledge of model monitoring concepts, model performance reporting, validation outputs, override and exception tracking, or model governance documentation in a lending or fintech environment.
• Skilled in producing clear review summaries, governance materials, issue logs, reporting packages, and documentation that can support bank partner or regulatory review.

RESPONSIBILITES

• Execute loan-level quality reviews across unsecured lending originations, assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria.
• Pull, organize, and analyze portfolio performance data, including early payment defaults, delinquency trends, prepayment rates, loss severity, exception patterns, and other asset quality indicators.
• Maintain recurring asset quality and salability risk reporting packages for bank partners, Capital Markets, and internal leaders, including data pulls, analysis, formatting, and quality checks.
• Execute first-line model performance tracking — maintaining production model tracking tools, logging override and exception trends, tracking version changes, and independently flagging patterns that may indicate performance degradation or out-of-bounds behavior for escalation.
• Maintain issue logs, defect trackers, remediation updates, and documentation libraries so records stay current, organized, and ready for bank partner or regulatory review.
• Drive governance and exam readiness deliverables — independently assembling evidence packages, populating reporting templates, and coordinating materials for bank partner reviews, committee deliverables, and regulatory examinations.

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