Financial Analyst

About our company. Established in 2020 by a team of FAA-certified flight and ground instructors, our company is a distinguished financial services institution with deep expertise in aviation and private lending. We are passionately committed to delivering comprehensive financing solutions tailored to student pilots, meeting their financial needs within the aviation sector. Through our dedication to facilitating access to top-tier instructional funding, we fulfill a crucial role in fostering the development of future aviation professionals via specialized flight school loans.

Job Title: Financial Analyst

Job Type: Full Time

What will be expected of you from Day 1:
• Conduct Financial Analysis and provide Investment Decision Support.
• Investment Decision Support. Providing decision support to investors or fund managers by conducting due diligence, performing risk assessments, and presenting investment opportunities based on financial analysis and modeling outcomes
• Loan Portfolio Analysis. Assess the performance of our loan products and our loan portfolio.Review the composition of our loan portfolio, and understand the distribution of loan types, risks levels, and performance metrics like default rates, delinquency rates, and repayment behavior.
• Loan Pricing. Developing pricing models to determine the interest rates and fees charged for loans based on the borrower’s creditworthiness, market conditions, and risk appetite. This involved balancing risk and return considerations to maximize profitability while remaining competitive.
• Fund Disbursement Analysis and Optimization.
• Perform tasks needed to support or complete (1).
• Collect and organize data into accessible data sources.
• Collaborate with stakeholders
• Perform Business Requirements Gathering and Stakeholder meetings to capture, understand, align, and iterate on any output/data being asked.

Other tasks that will be expected of you:
• Analyze the company’s financial data to offer insights, generate reports, and create visually compelling reports/dashboards for Senior Management and Investors detailing trends, patterns, and forecasts based on pertinent data, to aid in business decisions and overarching financial strategy. Some of the analysis may be (but not limited to):
• Credit Risk Modelling. Analyze borrower characteristics, credit scores, financial ratios, and other relevant factors to predict the likelihood of default.
• Portfolio Optimization. Using optimization techniques to construct and manage loan portfolios that maximize returns while controlling risk within predefined constraints.
• Loan Performance Forecasting. Use historical loan data and predictive modeling techniques to forecast future loan performance metrics like default rates, prepayment rates, and loan losses.
• Valuation Modeling.
• Scenario Analysis.
• Identify opportunities for process improvements and recommend data-driven solutions.

Qualifications:
• Bachelor’s Degree (or equivalent) in Business, Economics, Finance, AccounHng, or any related field
• 2+ years of proven experience as a Finance Analyst or similar role, preferably in the fintech, banking, or lending industry.
• Strong quantitative, analytical, and problem-solving skills with proficiency in financial modeling and data analysis tools (at least MS Excel).
• Experience in one or more of the following SQL, Python, R, Tableau/PowerBI, Alteryx is a plus
• Solid understanding of financial principles, accounting concepts, and financial statements.
• Excellent communication and presentation skills, with the ability to distill complex financial information into clear and actionable insights.
• Detail-oriented with a high degree of accuracy and the ability to meet tight deadlines in a fast-paced environment.
• Proactive problem solver with a growth mindset and a strong desire to learn and develop new skills.
• Ability to work independently and collaboratively in a team environment, with a focus on delivering
results and driving continuous improvement.

Permanent WFH.

Work Hours: 8:00 am – 5:00 pm PST

Next steps:

Send your resume to Cheryl Linato at Upgrade to see actual info
Subject: Financial Analyst for SF