Loan Portfolio Risk Analyst

Hours

40

Schedule

This position is hybrid and remote eligible for up to 40% of the time. The office location for this position is at ESL Corporate Headquarters in Rochester, NY. Hours are Monday - Friday 8:00 a.m. - 5:00 p.m. Must be flexible to meet current and future business needs.

Comprehensive Benefits

ESL offers a competitive benefits package which focuses on providing a work life balance for all employees. Our benefits include robust options such as our wellness program, family assistance plan, 401k with match, paid volunteer time and Learning & Development training among many others.

Pay and Incentive Plan

Starting Pay: $43.75 per hour

In addition to competitive pay and benefits, we offer an annual performance-based incentive that rewards eligible employees for their contributions to our success.

Purpose

The Loan Portfolio Risk Analyst supports ESL's lending strategy through analysis of portfolio performance and credit risk trends. This role helps the organization understand changes in credit quality and underwriting outcomes. The analyst provides insights that support lending decisions and portfolio management activities. Through analytical expertise and continuous learning, this position helps strengthen ESL's approach to credit risk management.

Accountabilities

Portfolio Analysis & Monitoring

• Analyze portfolio performance to identify meaningful trends and emerging risk indicators
• Monitor key measures of credit quality and communicate findings to stakeholders
• Evaluate changes in portfolio performance and recommend areas for
• further review
• Support ongoing monitoring activities that inform lending decisions
• Compare performance to benchmarks to help inform performance and
• future recommendations

Risk Insights & Reporting

• Develop reporting and analysis that supports credit risk management
• activities
• Research drivers of portfolio performance and summarize findings for
• stakeholders
• Support the preparation of reports used by management and governance
• groups
• Help identify opportunities to improve reporting effectiveness and efficiency

Lending Strategy Support

• Evaluate underwriting outcomes and portfolio performance across lending products
• Support analysis related to proposed underwriting, policy, or strategy
• changes
• Assist with risk assessments that support lending initiatives
• Contribute analytical insights that support business decision-making

Business Partnership

• Collaborate with business partners to address analytical questions and
• information needs
• Support cross-functional projects through analysis and reporting
• Communicate findings in a clear and meaningful manner

Professional Development

• Maintain knowledge of credit risk management practices and industry
• trends
• Participate in professional development opportunities
• Share knowledge and best practices with team members
• Perform other related duties as assigned or appropriate to support business needs

Qualifications

• Bachelor's degree in Finance, Economics, Mathematics, Statistics, Data
• Science, Business Analytics, or a related field, or 4 years of directly related experience in credit risk, financial analysis, portfolio analytics, risk management, or a related field
• In addition, a minimum of 2 years of experience in credit risk, financial analysis, portfolio analytics, risk management, or a related field
• Demonstrated experience analyzing data and interpreting results
• Demonstrated ability to identify trends and evaluate risk indicators
• Critical thinking, strong analytical, interpersonal, and communication skills
• Demonstrates alignment with ESL’s Core Values, mission, vision, and purpose to help our community thrive and prosper

Preferred Qualifications

• Familiarity with banking products, services, and business processes
• Exposure to lending products and underwriting concepts
• Proficiency using SQL, Python, R or similar analytical tools

Experience using data visualization tools

Familiarity with portfolio performance analysis

We’re committed to diversity, equity, and inclusion. We believe we are a stronger, more successful organization because of this commitment. We strive to ensure a robust talent pool of qualified candidates with a variety of skillsets and capabilities for all our openings. We hire great people and welcome all new hires to our award-winning work environment, which has been recognized by the Great Place to Work Institute since 2010.

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