Lending Analyst

Position Title: Data AnalystLocation: Although our company is headquartered in Atlanta, GA, we operate as a largely distributed team

across multiple time zones and are seeking fully remote candidates.

About Funding U: At Funding U, our core mission is to expand equity in education by providing affordable student loans to high-achieving students. We understand the critical barrier that financial constraints pose to education as four million people drop out of college each year primarily due to financial challenges. Founded to help solve this issue, Funding U provides non-cosigned loans based on academic performance rather than credit scores. We believe that hard work, good grades and responsible borrowing are all indicators of a student’s ability to graduate and obtain job in their field of study - this role will help Funding U continue to build this case and increase access to education!

Role Overview: As a Lending Analyst at Funding U, you will be integral to our mission by enhancing our ability to provide lending solutions to in-need students. Your analysis and reporting will be critical in helping the company grow our portfolio of high-quality assets by: researching complex student loan data, developing actionable financial and cash flow models, and ensuring compliance with regulatory standards. Your work will directly impact our strategic decisions, helping us to adapt and thrive in the dynamic market of education finance.

Key Responsibilities:

• Student Loan Data Analysis: Analyze and interpret complex lending data related to student loans to identify trends, patterns, and key insights. Use these analyses to guide Funding U's strategic decisions and help prevent student dropouts due to financial constraints.
• Dashboard and Report Development: Develop and maintain advanced dashboards and reports using Power BI to visualize student loan data, cash flow models, and lending performance metrics. Ensure these tools are actionable and accessible to enhance decision-making across the company.
• Cross-functional Collaboration: Work closely with finance, operations, and dev teams to support data-driven decision-making. Utilize insights from data to influence and optimize lending practices and policies that directly impact student success.
• In-depth Lending Practice Analysis: Conduct detailed analyses of our lending practices, focusing on loan performance, borrower behavior, and credit risk. These studies will help refine our lending models to better serve students' needs while minimizing financial risk.
• Presentation of Findings: Present findings and strategic recommendations to stakeholders in a clear and concise manner. Ensure that insights are actionable and communicated effectively to drive improvements in our lending operations.
• Data Quality and Integrity: Ensure the accuracy and integrity of our data through regular quality checks and ongoing maintenance of clean datasets. Implement best practices for data management to uphold high standards of data quality.
• Process Automation and Improvement: Collaborate with the dev team to automate data pipelines and enhance data collection processes. Aim to streamline operations and reduce manual errors, improving efficiency and responsiveness to market or regulatory changes.
• Compliance and Regulatory Reporting: Manage compliance with all applicable state and federal regulations related to student lending. Prepare and submit required reports to regulators, ensuring Funding U adheres to all legal standards and maintains its reputation as a trustworthy educational lender.

What You’ll Bring to Funding U:

• Expertise in Consumer Lending: Deep knowledge of the student loan process and portfolio analysis, especially in consumer lending contexts.
• Analytical Skills: Strong capability in financial and cash flow modeling, with the ability to simulate various financial scenarios.
• Communication: Outstanding communication abilities, proficient in conveying complex financial data in understandable terms.
• Adaptability: Thrives in a fast-paced and evolving environment, with a keen interest in personal and professional growth.
• Technical Proficiency: Advanced proficiency in Power BI, with substantial experience in other BI tools and database management.
• Regulatory Knowledge: In-depth understanding of compliance and state license requirements for student lending, with experience in regulatory reporting.
• Additional Preferred Skills: Experience with SQL, Python, or other data analysis tools, and knowledge of Zendesk or Google Suite.
• Nice to have Skills: Experience creating and maintaining sophisticated data models to support cash flow forecasting.

Commitment to Diversity: Employment at Funding U is based on individual merit. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age,

citizenship, marital status, disability, gender identity, or Veteran status. Funding U is an equal

opportunity employer.

What we offer:

• Health Insurance: Medical, dental, and vision coverage, often with multiple plan options.
• Health Savings Account (HSA) or Flexible Spending Account (FSA): Pre-tax accounts
• for medical or dependent care expenses.
• Mental Health Support: Access to counseling, therapy, or Employee Assistance Programs
• (EAPs) through Insperity
• Paid Time Off (PTO): 15 days
• Sick Leave: 5 days
• Holidays: Paid company-recognized holidays, often 10–15 days per year.
• Remote: We are a remote company
• Professional Development and Volunteer Days: 1 paid day annually for each
• Career Growth Opportunities: Internal promotions, mentorship programs, or regular
• performance reviews.