Business Analyst

Primary Purpose:

The Business Analyst will be a part of TowneBank's centralized reporting teams. The primary objective is to transform complex loan data and regulatory requirements into Power BI dashboards that provide information to internal stakeholders while tracking the "health" of TowneBank's lending activities.

A successful candidate will be a Business Analyst with experience in credit administration and/or loan portfolio reporting, who is knowledgeable in loan structure/terms, credit risk indicators, loan performance metrics, etc. This role will translate the organization's loan data, credit processes and regulatory reporting requirements into robust data solutions and portfolio reporting that deliver actionable insights and support decision-making across the lending lifecycle.

Desired skills are proficiency in Power BI reporting platforms. This person should be comfortable working at all levels of the organization from senior management to report writers to drive solutions that "WOW" our internal stakeholders. Broader responsibilities include challenging the status quo, being inquisitive, and participating in strategic discussions.

Essential Responsibilities:

• Loan Portfolio Reporting: Monitor and report on the overall performance of the loan book, including tracking delinquency rates, charge-offs, and loan-to-value (LTV) ratios.

• Credit Risk Monitoring: Develop solutions to visualize risk indicators such as Non-Performing Loans (NPL), Debt Service Coverage Ratios (DSCR), and credit concentration.

• Regulatory & Compliance Alignment: Translate dry regulatory reporting requirements (e.g., FDIC Call Reports) into automated data solutions.

• Foster strategic relationships with key organizational stakeholders, understand their data needs and align reporting and analytical needs accordingly.

• Conduct assessments of current report usage across like roles and find efficiencies where possible

• Data Insights, including driving data cleansing, systematic optimization of data flow, optimization of data consumption, building out reporting and dashboard and creating and maintaining tools for data consumption.

• Excellent analytical skills, with the ability to present fact-based recommendations in a clear, logical, and concise way: "tell a story" with data.

• Provide thought leadership in proper implementation of processes and tools that best align with the organization's strategic objectives.

• Work collaboratively across Business Lines / Functions to define, sequence, and execute data roadmaps.

• Demonstrated ability to manage multiple initiatives to completion under concurrent, rigorous, and regulatory deadlines in a fast-paced dynamic environment.

• Overall understanding of all commercial data to address organization and user needs that help gain insight and direction.

• Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).

• Other duties as assigned.

Minimum Required Skills & Competencies:

• Financial Services background with 3-5 years of working knowledge of core banking systems.

• 3-5 years of data analytics and reporting experience.

• Ability to learn quickly and develop / build complex Semantic Models in Power BI.

• Cloud background and understanding basic cloud architecture concepts.

• Strong management abilities and the ability to recognize and foster other management personnel.

• Demonstrated strong leadership qualities.

• Excellent communication and sales skills.

• High degree of personal integrity.

Desired Skills & Competencies:

• Data Modeling & Visualization: Use Power BI, Databricks, SQL, and DAX to clean and shape raw data from core banking systems.

• Some knowledge of automation, ETL/ELT, virtual tables, DAX, Power Query M, and other key concepts.

• Advanced degree or Industry designations.

• Self-motivated with demonstrated ability to work independently and under pressure.

• Experience and expertise in developing and executing data strategies.

• Strong interpersonal and leadership skills.

• Attention to detail and high level of organization / follow through.

Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally.

• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.

• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.

• Not substantially exposed to adverse environmental conditions.

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential responsibilities of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential responsibilities.