Senior Associate - Senior Credit Modeling Analyst

Blake Willson Group

$80K — $115K *
US-AnywhereRemote in United States
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in Accounting, Finance, Business, or a related field.
  • 6+ years of experience in credit modeling, loan accounting, and financial analysis.
  • 3+ years of experience in financial models and cash flow analyses reconciliation.
  • 3+ years of advanced Excel usage for complex data analysis and reporting.

Responsibilities

  • Support allowance for loss calculations for various loan portfolios.
  • Download and validate loan receivable data from multiple systems.
  • Prepare and reconcile cash flow model input files against source data.
  • Support NPV calculations using various financial metrics and assumptions.
  • Gather and validate data for federal credit reform re-estimates and subsidy calculations.
  • Maintain historical loan performance data related to defaults and recoveries.
  • Document model assumptions and prepare audit-ready workpapers.

Benefits

  • Major medical benefits including dental and vision coverage.
  • 401(k) contribution plan.
  • Holiday and personal time off.
  • Professional development training and certification benefits.
  • Health and wellness subsidies.
  • Paid time off for community service.
Full Job Description
Job Location:

This role is 100% remote.

Clearance:

Must be currently authorized to work in the United States on a full-time basis and have the ability to obtain a Public Trust Security Clearance.

Job Description:

In this position as a Senior Credit Modeling Analyst to support federal credit reform and allowance for loss activities for a portfolio of federal loan programs. This role will support loan accounting, cash flow modeling, net present value (NPV) calculations, data reconciliations, and financial reporting while ensuring the accuracy and integrity of model inputs, outputs, and supporting documentation. In this position, you will also:
  • Support allowance for loss calculations for pre-credit reform loans, debt reduction funds, PL-480, GSM, and related loan portfolios.
  • Download, validate, reconcile, and analyze loan receivable data from feeder systems, accounting systems, and other financial data sources.
  • Prepare and reconcile cash flow model input files and validate model outputs against the general ledger, source systems, and OMB CSC2 results.
  • Support NPV calculations using agreement numbers, cohort years, Treasury rates, ICRAS grades, country default rates, unpaid installments, and other model assumptions.
  • Gather, reconcile, and validate data supporting federal credit reform re-estimates and subsidy calculations.
  • Maintain historical loan performance data, including payments, prepayments, delinquencies, defaults, recoveries, and write-offs.
  • Document model assumptions, reconciliation results, corrective actions, and audit-ready workpapers supporting allowance and re-estimate processes.
  • Analyze non-performing loan portfolios, reserve requirements, default trends, and write-off strategies.
  • Assist with developing and maintaining standard operating procedures (SOPs) for allowance models, cash flow modeling, and re-estimate processes.
  • Collaborate with accounting, financial reporting, and program stakeholders to ensure data accuracy and compliance with federal financial management requirements.

Required Skills:
  • Bachelor's degree in Accounting, Finance, Business, or a related field.
  • 6+ years of experience supporting credit modeling, loan accounting, financial analysis, and complex financial data reconciliations.
  • 3+ years of experience preparing and reconciling financial models, cash flow analyses, and model inputs/outputs to source systems and general ledger balances.
  • 3+ years of experience using advanced Excel to analyze complex datasets and prepare technical documentation, workpapers, and financial reports.

Desired Skills:
  • Experience supporting federal credit reform, loan subsidy, allowance for loss, NPV calculations, re-estimates, or cash flow modeling.
  • Experience working with OMB CSC2, credit subsidy models, ICRAS, Treasury rates, PL-480, GSM, CCC, or other federal loan programs.
  • Professional certification such as Certified Public Accountant (CPA), Chartered Financial Analyst (CFA), or Financial Risk Manager (FRM).

At Blake Willson Group, we believe in transparency and fairness in compensation practices. For this position, we offer a competitive salary range of $80,000 to $115,000 in the United States. Your individual salary within this range will be determined by various factors, including but not limited to your education, experience, skills, and geographic location. We also provide a comprehensive Total Rewards package, which includes major medical benefits such as dental and vision coverage, a 401(k)-contribution plan, holiday and personal time off, professional development training & certification benefits, health & wellness subsidies, paid time off for community service, and more. We value your contributions and are committed to recognizing and rewarding your performance and the value you bring to our business.

The statements above describe the general nature and level of work anticipated for this role. They are not intended to be an exhaustive list of all duties, responsibilities, or skills required. Blake Willson Group reserves the right to modify, assign, or add job-related responsibilities as business needs require. Where feasible, reasonable accommodations may be provided for individuals to perform essential job functions.

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