Back to jobs

Senior Risk Analyst

WebBank UT, WebBank NJ

About WebBank

WebBank (the “Bank”) is a Utah-chartered Industrial Bank headquartered in Salt Lake City, Utah. As “The Bank Behind the Brand®”, WebBank is a national issuer of consumer and small business credit products through Strategic Partner (Brand) platforms, which include retailers, manufacturers, finance companies, software as a service (SaaS) and financial technology (FinTech) companies.  The Bank is a leading player in the digital lending space, driving innovation in financial products through embedded finance with Strategic Partner platforms.  WebBank engages in a full range of banking activities, including consumer and commercial loan products, revolving lines of credit, credit cards, private-label card issuance, auto-refinancing, and more. The Bank provides capital in the form of asset-backed lending and other credit facilities to Strategic Partner platforms, credit funds, and other lenders with a targeted focus on specialty finance assets. The Bank is also a leading provider of commercial insurance premium finance products through its wholly owned subsidiary, National Partners.

 

Job Summary

This position will report to the VP, Risk Management & Analytics and will support credit risk, portfolio analytics, and financial modeling initiatives.

As a Sr. Risk Analyst, you will build and maintain complex financial models, support portfolio monitoring and credit risk management, and contribute to investment decisions and business strategy. The ideal candidate will have a strong background in finance, credit risk, and quantitative analysis, with experience in building financial models and analyzing cash-flowing credit assets.

Primary Responsibilities (Job Duties)

You Will:

  • Build and maintain complex financial models to analyze new investment opportunities by conducting due diligence on asset pools and modeling expected cash flows and credit losses.
  • Evaluate the underlying asset performance (loans, credit card receivables, etc.) and incorporate payments and losses into the financial models to assess the credit protection requirements for the Bank.
  • Conduct credit risk analytics across the Bank’s portfolios to ensure portfolio risk levels (delinquency, excess spread, charge-offs, etc.) are aligned with the forecasts and within the pre-determined thresholds.
  • Evaluate financial trends, policies, and underwriting processes to inform loan loss reserves (CECL), Risk Adjusted Return (RAROC) and Return on Equity (ROE) analyses.
  • Collaborate with cross-functional teams, including Program Management, Business Development, Accounting, Finance, Counterparty Credit Risk, and Credit Structuring teams, to support investment transactions and ongoing portfolio monitoring.
  • Support the annual budgeting process by creating financial risk and cash flow projections to drive Bank’s future income estimates.
  • Continually enhance reporting and business intelligence dashboards using tools such as Tableau to provide senior management visibility into current trends and help drive strategic decisions.
  • Stay current on industry trends, financial regulations, and emerging technologies to continuously improve risk analytics and financial modeling methodologies.
  • Contribute to strategic initiatives to automate and streamline credit risk and portfolio analytics processes.

Qualifications

You Have:

  • Bachelor's or Master’s degree in Finance, Mathematics, Statistics, or a related quantitative field.
  • 3+ years of experience in financial modeling, credit analysis, and risk analysis within Specialty Finance and/or Asset-Based Lending.
  • Experience in credit risk analytics and portfolio monitoring across loans, credit cards, and other consumer or commercial credit products.
  • Strong analytical and problem-solving skills with a keen attention to detail.
  • Proficiency in Microsoft Excel and financial modeling software.
  • Excellent communication and presentation skills, with the ability to translate complex financial data into clear, actional insights and recommendations
  • Strong teamwork and collaboration skills, with the ability to work effectively with cross-functional teams in a fast-paced environment.
  • Data-driven mindset, proactive with the ability to work under pressure.
  • Strong understanding of portfolio dynamics, including roll rate analysis, loss rate forecasting, and interpretation of credit performance metrics.

Technical Skills:

  • Proficiency in Microsoft Excel and financial modeling.
  • Working knowledge of SQL for navigating and analyzing large datasets.
  • Familiarity with Tableau and Python

Company Perks:

You Get:

  • Paid Time Off (PTO) - Generous paid time off plus paid parental leave
  • Health insurance – Plans include an employer-paid medical option, dental and vision coverage, plus we offer health savings accounts
  • 401(k) – WebBank matches up to the first 6 percent of employee contributions, and both the employee’s contributions and WebBank’s match are fully vested immediately
  • Life and Disability Insurance – Life insurance and long-term and short-term disability insurance plans are 100% employer-paid
  • Tuition Reimbursement – WebBank provides reimbursement for classes needed to obtain certain degrees, up to $5,250 per academic year

Apply for this job

*

indicates a required field

Resume/CV*

Accepted file types: pdf, doc, docx, txt, rtf

Cover Letter

Accepted file types: pdf, doc, docx, txt, rtf

Education

Select...
Select...
Select...
Select...
Select...
Select...
Select...

The purpose of this question is to ensure that the candidates salary expectations are a match to the company salary range.

Please indicate desired base compensation and desired discretionary bonus percentage.

Please provide the name and phone number of two professional references and your affiliation with these references.  

These references should be contacts the candidate approves the Company to contact to complete a reference check. 

Select...

WebBank, Corporation is an equal opportunity employer and will consider your application regardless of race, color, religion, sex, national origin, age, marital, or veteran status; medical condition or disability; or any other legally protected status. This application will be given every consideration, but its receipt does not imply that the applicant will be employed. Each question should be answered completely and accurately.

I affirm that the information I have provided in this application is true to the best of my
knowledge, information and belief, and I have not knowingly withheld any information
requested. I understand that withholding or misstating any information requested in this
application is grounds for rejection of my application, and that providing false or misleading
information in this application is grounds for discharge.
I authorize WebBank to verify my references, record of employment, education record, and any
other information I have provided. Unless otherwise noted, I authorize the references I have
listed to disclose any information related to my work record and my professional experiences
with them, without giving me prior notice of such disclosure. In addition, I release the company,
my former employers and all other persons and entities, from any and all claims, demands or
liabilities arising out of or in any way related to such inquiry or disclosure.
I understand that if I am hired, my employment will be at will and may be terminated by myself
or by WebBank Corporation or their agent at any time for any reason or for no reason at all,
without prior notice.