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Portfolio and Funding Analyst

Job Req ID 21300227 Primary Location New York, New York; O'Fallon, Missouri Job Category Compliance and Control
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The Portfolio and Funding Analyst will implement and assist in the execution of the management framework that the Director of Portfolio Management develops for the Home Equity and Residential Mortgage Businesses (residential secured lending).  He/she will draw upon the institutional infrastructure to generate and assimilate reports that will allow management to focus on key factors driving the risk and return of the portfolio and future new business.  Direct result of his/her work will influence decisions in originations, pricing, funding, retention, loss mitigation, asset disposition and other portfolio related activities whose driving factors are asset performance and funding implementation.  The Portfolio Analyst will work directly with senior managers in Portfolio and Enterprise Analytics, Decision Management and Treasury to effect innovative solutions to manage and maintain the appropriate risk and return in CMI businesses.


  • Ability to work with large datasets and statistical modeling
  • Generate monthly/quarterly/semi-annual cash flow projections to support CCAR, IRE frameworks
  • Develop the financial/analytical tools to assist with managing CMI Funding/Asset/Liability relationships, to maximize risk/return and efficiencies among intra-department partners
  • Design and implement portfolio reports to assist Portfolio Management of the held portfolio with the objectives towards quantifying and managing risk, hedging for tail risk, maximizing risk-adjusted profits and mitigating credit losses.
  • Develop analytic tools to optimize front-end pricing from a risk-return perspective; this will encompass sub-channel and loan-level pricing processes and balance profit opportunities, risk dimensions, demand functions and operational capabilities.
  • Aid Portfolio Management and Pricing Execution in managing in business controls, utilizing ARCM and COB process in conjunction with CBORC.
  • Collaborate closely with all partners in the business, especially IT, Capital Markets, Treasury, CMI Management and Risk



  • Advanced degree in finance, business, mathematics, statistics or related field.
  • Minimum 2-year working experience in the related field.
  • Proven track record in implementing analytical infrastructure in the financial services industry
  • Requires both home equity and a mortgage knowledge
  • Strong interpersonal skills and commitment to excellence, high level of energy and a strong team player
  • Ability to work effectively with a great degree of independence
  • Programming experience (e.g. SAS and VBA, Python) is required


Job Family Group:

Compliance and Control


Job Family:

Business Control


Time Type:


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