Director, Lending Analytics & Secondary Markets

• portfolio performance,
• concentration risk,

Kitsap Credit Union is a not-for-profit, member-owned financial cooperative with more than 300 employees and 14 branches throughout Western Washington. We have a passion for making a positive difference. As a $2 + billion-asset credit union, we are deeply committed to our members’ financial wellbeing and the prosperity and quality of life in the communities we serve. We are proud to be led by individuals with the experience and skills to drive our organization towards our goals for strategic growth and operational excellence.

Our KCU Cares Foundation program focuses on providing resources and support for those struggling with homelessness or hunger and improving the financial well-being of the people in our communities. And beyond monetary efforts, we have provided thousands of hours in staff volunteerism and in-kind support.

At Kitsap Credit Union, our success is built on trust-based relationships and personalized service. We understand our employees are key to our success. They provide the personalized service to our members and contribute to the communities where we live. We are committed to providing a supportive, mission-driven, and inclusive culture where employees can grow their careers. To learn more, visit kitsapcu.org.

Kitsap Credit Union is searching for a Director of Lending Analytics and Secondary Markets. The Director of Lending Analytics & Secondary Markets is responsible for leading the enterprise lending analytics function while supporting the organization’s secondary market, loan sale, participation, and balance sheet optimization strategies across consumer, mortgage, business, and commercial lending portfolios.

This role serves as a key strategic and analytical leader within the Credit & Lending organization by transforming fragmented operational and portfolio data into actionable business intelligence that supports underwriting optimization, portfolio management, pricing strategy, loan sale execution, participation analysis, liquidity management, and overall balance sheet performance.

The Director of Lending Analytics & Secondary Markets will partner closely with the VP Enterprise Credit Management, VP Portfolio Performance & Recovery, VP Consumer Lending, Finance, Accounting, Treasury, and executive leadership to ensure timely, accurate, and meaningful reporting across all lending portfolios while supporting the organization’s growing focus on active balance sheet and secondary market management.

This role will also play a critical part in modernizing the organization’s lending intelligence capabilities, strengthening portfolio analytics, supporting loan sale and participation strategies, improving reporting integrity, and advancing the organization toward a more analytically driven asset management model.

Reports to:

SVP, Chief Credit & Lending Officer

Employment Type:

Exempt, Full Time, Hybrid

Salary Range: $ - $150,000 depending on experience

Bonus Target: 10% potential incentive of base pay

Grade: 14BC

Industry: Banking

• Lead the development and administration of enterprise lending analytics and reporting frameworks across all lending products and portfolios.
• Develop standardized executive dashboards, portfolio scorecards, KPI frameworks, and performance reporting packages for executive leadership, committees, and board reporting.
• Deliver timely, accurate, and actionable insights related to:
  • portfolio performance
  • underwriting trends
  • delinquency migration
  • charge-offs
  • recoveries
  • approval and capture rates
  • pricing effectiveness
  • concentration risk
  • vintage performance
  • and risk segmentation.
• Establish consistent reporting definitions and enterprise KPI standards across lending functions.

• Support enterprise loan sale, participation, and secondary market strategies through detailed portfolio analytics and financial modeling.
• Analyze pools for potential sale, participation, securitization, or balance sheet optimization opportunities.
• Develop and maintain reporting related to:
  • gain-on-sale analysis
  • yield optimization
  • liquidity impacts
  • CECL…