Analyst, Loan Salability & First-Line Model Governance

About This Opportunity

We are representing a confidential fintech organization that is building first-line risk and control infrastructure for secured lending products. Our client needs an Analyst, Loan Salability & First-Line Model Governance to support day-to-day execution of portfolio monitoring, loan-level quality reviews, and model performance tracking across home equity and auto lending channels.

This is a fully remote position open to candidates anywhere in the world. You will report to senior risk management and work closely with Credit Risk, Capital Markets, Model Risk Management, and Operations teams.

Responsibilities

• Execute loan-level quality reviews across secured lending originations, assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria
• Pull, organize, and analyze portfolio performance data, including early payment defaults, delinquency trends, prepayment rates, loss severity, exception patterns, and other asset quality indicators
• Maintain recurring asset quality and salability risk reporting packages for bank partners, Capital Markets, and internal leaders, including data pulls, analysis, formatting, and quality checks
• Execute first-line model performance tracking by maintaining production model tracking tools, logging override and exception trends, tracking version changes, and flagging patterns that may indicate performance degradation
• Maintain issue logs, defect trackers, remediation updates, and documentation libraries to keep records current, organized, and ready for bank partner or regulatory review
• Drive governance and exam readiness deliverables by assembling evidence packages, populating reporting templates, and coordinating materials for bank partner reviews, committee deliverables, and regulatory examinations

What We're Looking For

Required qualifications:

• 3+ years of experience in financial services, credit operations, quality control, risk management, compliance, model monitoring, loan review, credit analysis, or a related analytical function
• Experience applying established review criteria to loan-level data, credit files, origination documentation, collateral documentation, or lending operations outputs
• Experience analyzing portfolio performance, asset quality indicators, credit policy exceptions, loan defects, remediation items, or operational risk trends
• Experience using Excel, Google Sheets, SQL, business intelligence tools, reporting tools, or similar systems to organize, analyze, and quality-check structured data
• Experience documenting findings, exceptions, issue status, remediation progress, or review results for risk, compliance, credit, operations, audit, bank partner, or regulatory stakeholders

Preferred qualifications:

• Experience with loan file review, quality control, pre-sale quality control, investor delivery, or loan salability review in mortgage, home equity, auto, or other secured lending products
• Knowledge of secured lending and secondary-market quality expectations, including investor eligibility standards, collateral documentation, lien perfection, representations and warranties, defect remediation, trailing performance thresholds, or repurchase risk
• Experience tracking and interpreting asset quality or portfolio performance indicators such as early payment default, delinquency, prepayment, loss severity, non-performing loan trends, or credit policy exception rates
• Knowledge of model monitoring concepts, model performance reporting, validation outputs, override and exception tracking, or model governance documentation in a lending or fintech environment
• Skilled in producing clear review summaries, governance materials, issue logs, reporting packages, and documentation that can support bank partner or regulatory review

How We Work With You

Candidates apply directly through Get A Job.ai. Our talent team will conduct an initial screening to understand your experience and match it with our client's requirements. Qualified candidates will then be submitted to the client for consideration. Please do not attempt to contact the client directly, as all communication is managed through our recruiting process to ensure a professional and organized experience for everyone involved.

This is a fully remote position with the flexibility to work from anywhere in the world. As a digital-first organization, our client values in-person connection and may arrange periodic team onsites for collaboration and planning.

Equal Opportunity

Get A Job.ai is committed to inclusive and fair hiring practices. We welcome applicants from all backgrounds and provide equal employment opportunities regardless of race, color, religion, sex, national origin, age, disability, or any other protected characteristic.