Balance Sheet Strategy Analyst

Pathward
Sioux Falls, Louisville
Workplace: RemoteFull timeUSD 86,000 - 145,000 annuallyFunction: Strategy & Corporate DevelopmentExperience: 2-5 yearsEducation: bachelorsSkills: ["Independent problem solving","Communication","Stakeholder management"]

Design and maintain financial models, data workflows, dashboards, and reporting that support loan-sale and balance sheet optimization strategies. Evaluate loan sales, participations, syndications, and other off-balance-sheet alternatives by analyzing pricing, transaction structures, portfolio impacts, and expected financial outcomes. Build Power BI decision tools using SQL and Matillion, define governance and data capture for transferred exposures, and present recommendations to management and governance committees.

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Pathward
Pathward
3 days ago

Balance Sheet Strategy Analyst

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Last checked: 16 hours agoStatus: Live

Job Summary

Design and maintain financial models, data workflows, dashboards, and reporting that support loan-sale and balance sheet optimization strategies. Evaluate loan sales, participations, syndications, and other off-balance-sheet alternatives by analyzing pricing, transaction structures, portfolio impacts, and expected financial outcomes. Build Power BI decision tools using SQL and Matillion, define governance and data capture for transferred exposures, and present recommendations to management and governance committees.
Location: Sioux Falls, Louisville
Workplace: Remote
Employment Type: Full time
Job Function: Strategy & Corporate Development
Seniority: Mid level

Key Responsibilities

  • •Own and enhance models, dashboards, and data workflows supporting loan portfolio strategy, including comparisons across hold, sell, participation, syndication, and other alternatives.
  • •Analyze pricing, expected sale proceeds, gain/loss on sale, retained economics, funding-cost savings, capital impacts, and future revenue tradeoffs.
  • •Develop valuation, cash flow, profitability, balance sheet forecasting, and scenario models incorporating rates, credit performance, prepayments, market pricing, and transaction timing.
  • •Build Power BI data models and dashboards using SQL and Matillion (or comparable tools) to integrate data, automate recurring analysis, and improve visibility into inventory, pipeline, pricing, and results.
  • •Define data capture/reporting/governance requirements for off-balance-sheet activities, establish validation and documentation standards, track transactions against assumptions, and present recommendations to management and committees.

Pay and Benefits

Salary: USD 86,000 - 145,000 annually
Perks:Health Insurance401kLife InsuranceDisabilityPaid Leave

Key Requirements

  • •Bachelor’s degree in finance, accounting, economics, business/data analytics, information systems, mathematics, or a related field.
  • •Two to five years of experience in banking, commercial lending, treasury, capital markets, portfolio analytics, FP&A, or transaction advisory.
  • •Strong financial modeling skills including valuation, cash flow analysis, forecasting, and scenario analysis with advanced Excel proficiency.
  • •Experience building Power BI data models and dashboards and working with large loan-level or financial datasets; SQL preferred.
  • •Experience with data-integration tools (preferred: Matillion, Alteryx, Azure Data Factory, dbt, Informatica) and the ability to structure complex problems and communicate recommendations to technical and nontechnical stakeholders.
Experience:2-5 yearsBankingCommercial lendingTreasuryCapital marketsPortfolio analyticsFP&ATransaction advisory
Education:Bachelor's
Skills:Independent problem solvingCommunicationStakeholder management
Languages:English
Tech Stack:ExcelPower BISQLMatillionSharePointAlteryxAzure Data FactoryDbtInformatica

Company Brief

Pathward
Provides banking-as-a-service APIs, card issuing, deposit and payment solutions for fintechs, businesses, and partners. Offers integrated banking products including debit cards, program management, and compliance services to enable financial product delivery.
Industry: Fintech Infrastructure
Growth: Established Company
WebsiteLinkedIn