Business Intelligence Analyst, Lending; Onsite

Overview

The Business Intelligence Analyst, Lending 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 Business Intelligence 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.

Frontwave Credit Union is a member-owned not-for-profit financial institution serving San Diego, Riverside, San Bernardino and Imperial counties. Founded in 1952, we have grown to 18 branches with 125,000 members and manage over a 1.8 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.

• Competitive pay, 401k matching, mortgage and auto discounts.
• 9-27 days of PTO per year (based on tenure) and 10 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!

• 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.
• 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…