Portfolio Analyst II

Portfolio Analyst II – Meritrust Credit Union

Join to apply for the Portfolio Analyst II role at Meritrust Credit Union
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Base pay range: $33.46/hr - $41.83/hr.

This is a full-time position working 40 hours a week, Monday‑Friday 8:00am – 5:00pm.

• Comprehensive medical insurance plan
• Dental and vision insurance
• Generous paid‑time‑off
• 12 paid holidays
• Annual bonus (discretionary bonus based on achievement of organizational scorecard results)
• 401(k) plan
• Wellness program
• Tuition assistance
• Employee loan discount
• Employee Assistance Program (EAP)
• Life and disability coverage

• Career development and pathing opportunities to move into leadership roles or other lines of business within MCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
• Supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, Mother Nature, our community, and your health first.
• A work environment that encourages personal as well as professional growth, teamwork to make the dream work, and treating everyone equally.
• We encourage applicants from all backgrounds to apply, even if you don’t meet every qualification listed.

The Portfolio Analyst II serves as a senior‑level resource within the Portfolio Management team, providing advanced analysis, strategic insights, and recommendations to support the effective management of Meritrust’s $4 billion loan portfolio. This position leads portfolio‑level risk assessments, develops predictive models, and presents findings to senior leadership and the Board of Directors.

• Conduct advanced portfolio analysis, including stress testing, scenario modeling, and credit migration studies to evaluate portfolio health and emerging risks.
• Prepare and present portfolio performance, risk trends, and concentration analyses directly to the Executive Leadership Team and Board Committees.
• Develop, maintain, and refine statistical and predictive models to forecast loan performance, delinquency trends, profitability and credit losses.
• Provide strategic recommendations on loan product design, risk appetite, and portfolio diversification strategies.
• Lead initiatives to improve portfolio reporting systems, dashboards, and data integrity in collaboration with IT, Business Intelligence, and Finance teams.
• Partner with senior leaders across Business Lending, Risk, Consumer Lending, and Mortgage to assess market conditions and align portfolio strategy with organizational goals.
• Ensure compliance with NCUA regulations, credit union lending policies, and applicable laws governing commercial and consumer lending.
• Serve as subject matter expert for auditors, regulators, and external examiners, providing timely and accurate data and analysis.
• Mentor and coach Portfolio Analysts and junior team members, sharing best practices in credit risk assessment and portfolio monitoring.
• Identify opportunities for process improvements and implement enhancements to strengthen the credit union’s risk management framework.
• Other duties as assigned.

Mid‑Senior level

Full‑time

Finance and Sales

Banking