Lending Pricing Analyst

1 week ago

Vacaville, CA, United States Travis Credit Union Full time
Description

Schedule: Monday - Friday, Hybrid 2+ Days in the office

Candidates must live within a reasonable commuting distance of the communities served by Travis Credit Union, which include the following counties: Alameda, Colusa, Contra Costa, Merced, Napa, Placer, Sacramento, San Joaquin, Solano, Sonoma, Stanislaus, and Yolo. For hybrid and remote roles, candidates are still required to reside within a commutable distance of our corporate headquarters in Vacaville, California.

We are unable to sponsor or assume sponsorship of employment visas for this position. Candidates must have current authorization to work in the U.S. (no sponsorship available).

Summary: Travis Credit Union's (TCU) Lending Pricing Analyst conducts data analysis to provide pricing strategy recommendations for all loan products to senior management that are competitively priced while remaining profitable and meeting target goals. This position is responsible for analyzing market trends, developing financial models, and providing actionable insights that optimize the pricing of our lending products. By translating complex data into clear, strategic recommendations, this role will support our goals of remaining competitive, driving profitability, and managing risk effectively.

Profile:
  • Monitors and analyzes market trends, competitor pricing, and economic conditions to ensure competitive loan pricing strategies.
  • Uses financial models and data analytics to evaluate the performance of loan products and recommend adjustments.
  • Develops, implements, and optimizes pricing models/strategies for loan products such as mortgages, auto loans, credit cards, and personal loans.
  • Works closely with sales, program development, and risk management teams to align pricing strategies with business goals.
  • Ensures that pricing policies comply with industry regulations and company standards.
  • Generates reports on loan product performance, pricing effectiveness, and market competitiveness, such as risk-based pricing models, market competitiveness analysis, profitability assessments, projected impact analysis, scenario analysis, or similar.
Skills:
  • Quantitative & Analytical Proficiency - Strong ability to analyze financial data, pricing models, and market trends to optimize lending rates.
  • Strategic Pricing Frameworks - Understanding of pricing strategies like cost-plus pricing, value-based pricing, and dynamic pricing.
  • Market Research & Competitive Analysis - Ability to assess market conditions and competitor pricing to make informed decisions.
  • Financial Analysis - Expertise in evaluating loan profitability, risk assessment, and financial forecasting.
  • Data Visualization & Reporting - Proficiency in tools like Excel, Tableau, Power BI, and SQL to present pricing insights.
  • Communication & Negotiation - Ability to collaborate with stakeholders, explain pricing strategies, and negotiate lending terms.
Requirements:

Lending Pricing Analyst
  • Reports directly to assigned department management.
  • Normally receives general instructions on routine work, and detailed instructions on new assignments.
  • Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or equivalent related work experience.
  • Minimum of 2 years professional experience in Lending Pricing Analytics or Business Analytics.
  • Minimum of 2 years utilizing analytic tools to create dynamic visualizations, key performance indicators, and solutions to inform business decisions and strategy.
  • Data Visualization certification (i.e. Tableau Certification), or SQL Certification desired.
Sr. Lending Pricing Analyst
  • Report directly to assigned department management.
  • Normally receives minimal instructions on routine work, and general instructions on new assignments.
  • Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or a master's degree with minimum of 2 years of equivalent related work experience; or equivalent related work experience.
  • Minimum of 5 years professional experience in Lending Pricing Analytics or Business Analytics.
  • Minimum of 4 years utilizing analytic tools to create dynamic visualizations, key performance indicators, and solutions to inform business decisions and strategy.
  • Data Visualization certification (i.e. Tableau Certification), or SQL Certification desired.
Working Conditions: Work is generally performed within an office environment, with standard office equipment available and usually sedentary in nature.

Compensation: Compensation: Base salary starting range is commensurate with experience:
  • Lending Pricing Analyst: Grade 14 Non-Exempt: $36.47/hour - $45.06/hour
  • Sr. Lending Pricing Analyst: Grade 17 Exempt: $98,238.40/annually - $121,347.20/annually
Our compensation philosophy considers various factors, including the scope and responsibilities of the position, as well as a candidate's experience, education/training, and key skills.

Benefits:

At Travis Credit Union, we prioritize the well-being of our employees and their families by providing a comprehensive Total Rewards program that supports their health, welfare, and financial security. In turn, this enables our employees to focus on delivering exceptional service to our members and meeting the goals of the credit union.

Eligible employees enjoy a robust benefits package, which includes:
  • Competitive medical, dental, and vision insurance
  • Mental health and wellness programs
  • Employee performance incentive plan
  • Merit-based salary increases
  • 401(k) program with immediately vested employer match
  • Generous holiday and vacation policies
  • Exclusive TCU perks such as employee loan and credit card discounts


Travis Credit Union is an Affirmative Action Employer.
EOE / Individuals with Disabilities / Veteran Status

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