JOB DETAILS

CECL Analyst

CompanyFirst Electronic Bank
LocationSalt Lake City
Work ModeOn Site
PostedApril 8, 2026
About The Company
First Electronic Bank is an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah. First Electronic Bank believes in building a financial services industry that is inclusive and effective for the diverse range of consumers, businesses, and partners that rely on it. We believe that expanded access to credit and innovation benefits society, and that quality financing programs must be compliant, economically stable, straightforward, and avoid consumer harm. We partner with dynamic technology and financial services providers to offer credit products across the credit spectrum: from “prime” to “subprime”, from small businesses to individual consumers, from general purpose credit cards to point-of-need installment loans.
About the Role

Description

At First Electronic Bank (FEB), we are driven by the purpose to make credit accessible to everyday Americans, and their businesses. Partnering with some of the most innovative FinTech companies in the nation, we offer a wide range of consumer and commercial credit products on a national basis. Offering revolving lines of credit, private-label credit cards, installment financing programs and more, FEB’s engages with strategic, collaborative partnerships, promoting services and products to provide the most beneficial consumer and commercial financing solutions.     


The CECL Analyst supports the organization’s Current Expected Credit Losses (CECL) modeling, reporting, and analysis. This role assists in collecting, validating, and analyzing loan portfolio data to support allowance calculations, risk assessments, regulatory reporting, and management presentations. The ideal candidate has strong analytical skills, attention to detail, and a desire to grow within credit risk and financial modeling.


What You'll Do:

  • CECL Data & Modeling Support
  • Assist with preparing and validating monthly/quarterly CECL dataset inputs, ensuring accuracy and completeness.
  • Support the execution of CECL models, including probability of default (PD), loss given default (LGD), and prepayment models.
  • WARM methodology and Static Pool/Vintage Loss analysis.
  • Help maintain model documentation and version control.
  • Analysis & Reporting
  • Assist in generating CECL allowance calculations and variance analyses.
  • Prepare supporting schedules, workpapers, and dashboards for internal stakeholders and auditors.
  • Identify trends in portfolio performance, credit quality, and model outputs.
  • Controls, Compliance & Audit Support
  • Support internal and external audit requests related to CECL processes and controls.
  • Ensure CECL processes align with regulatory guidance and internal policies.
  • Contribute to the enhancement of data quality procedures and risk controls.
  • Cross-Functional Collaboration
  • Partner with Credit, Finance, Accounting, and Data teams to gather required inputs and clarify assumptions.
  • Support ad hoc analysis and special projects related to credit risk, loan portfolio performance, or regulatory changes.


Requirements

What We're Looking For:

  • Degree in Finance, Economics, Accounting, Mathematics, Statistics, Data Analytics, or related field.
  • Strong analytical and quantitative skills.
  • Previous experience with vended software, like Moody’s Portfolio Analyzer or Impairment Studio preferred.
  • Proficiency in Excel; basic familiarity with SQL, R, Python, and data visualization tools.
  • Ability to work with large datasets and identify discrepancies.
  • Strong organizational skills and attention to detail.

 

Preferred Qualifications

  • 5+ years of experience in financial services, banking, credit risk, accounting, or data analytics.
  • Exposure to CECL methodology, ALLL, or other credit modeling frameworks.
  • Experience with loan servicing or core banking systems.
  • Understanding of credit risk metrics and loan portfolio structures.


Key Competencies

  • Analytical thinking
  • Problem-solving
  • Data accuracy and precision
  • Ability to manage multiple priorities
  • Strong communication skills
  • Initiative and willingness to learn complex financial concepts
Key Skills
CECL ModelingFinancial ModelingCredit RiskData AnalysisExcelSQLRPythonData VisualizationRegulatory ReportingLoan Portfolio AnalysisProbability of DefaultLoss Given DefaultAudit SupportQuantitative AnalysisRisk Assessment
Categories
Finance & AccountingData & AnalyticsTechnology
Job Information
📋Core Responsibilities
The CECL Analyst supports the organization's Current Expected Credit Losses modeling, reporting, and analysis processes. This role involves validating loan portfolio data, executing credit risk models, and preparing documentation for internal stakeholders and auditors.
📋Job Type
full time
📊Experience Level
5-10
💼Company Size
139
📊Visa Sponsorship
No
💼Language
English
🏢Working Hours
40 hours
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