Secondary Market Analyst Jobs (NOW HIRING)

Job Category: Indirect Lending

Requisition Number: DIREC002160

• Posted : August 14, 2026
• Full-Time
• Hybrid

Showing 1 location

Bremerton Harborside
155 Washington Ave
Bremerton, WA 98337, USA

Bremerton Harborside
155 Washington Ave
Bremerton, WA 98337, USA

Kitsap Credit Union is a not-for-profit, member-owned financial cooperative with more than 300 employees and 14 branches throughout Western Washington. We have a passion for making a positive difference. As a $2 + billion-asset credit union, we are deeply committed to our members’ financial wellbeing and the prosperity and quality of life in the communities we serve. We are proud to be led by individuals with the experience and skills to drive our organization towards our goals for strategic growth and operational excellence. Our KCU Cares Foundation program focuses on providing resources and support for those struggling with homelessness or hunger and improving the financial well‑being of the people in our communities. And beyond monetary efforts, we have provided thousands of hours in staff volunteerism and in‑kind support.

At Kitsap Credit Union, our success is built on trust‑based relationships and personalized service. We understand our employees are key to our success. They provide the personalized service to our members and contribute to the communities where we live. We are committed to providing a supportive, mission‑driven, and inclusive culture where employees can grow their careers. To learn more, visit kitsapcu.org .

About the Role

Kitsap Credit Union is searching for a Director of Lending Analytics and Secondary Markets. The Director of Lending Analytics & Secondary Markets is responsible for leading the enterprise lending analytics function while supporting the organization’s secondary market, loan sale, participation, and balance sheet optimization strategies across consumer, mortgage, business, and commercial lending portfolios.

This role serves as a key strategic and analytical leader within the Credit & Lending organization by transforming fragmented operational and portfolio data into actionable business intelligence that supports underwriting optimization, portfolio management, pricing strategy, loan sale execution, participation analysis, liquidity management, and overall balance sheet performance.

The Director of Lending Analytics & Secondary Markets will partner closely with the VP Enterprise Credit Management, VP Portfolio Performance & Recovery, VP Consumer Lending, Finance, Accounting, Treasury, and executive leadership to ensure timely, accurate, and meaningful reporting across all lending portfolios while supporting the organization’s growing focus on active balance sheet and secondary market management.

This role will also play a critical part in modernizing the organization’s lending intelligence capabilities, strengthening portfolio analytics, supporting loan sale and participation strategies, improving reporting integrity, and advancing the organization toward a more analytically driven asset management model.

Quick Facts

Reports to: SVP, Chief Credit & Lending Officer

Employment Type: Exempt, Full Time, Hybrid

Salary Range: $117,697.44 - $150,000 depending on experience

Bonus Target: 10% potential incentive of base pay

Grade: 14BC

Principal Accountabilities

• Lead the development and administration of enterprise lending analytics and reporting frameworks across all lending products and portfolios.
• Develop standardized executive dashboards, portfolio scorecards, KPI frameworks, and performance reporting packages for executive leadership, committees, and board reporting.
• Deliver timely, accurate, and actionable insights related to:
• underwriting trends,
• delinquency migration,
• charge-offs,
• recoveries,
• approval and capture rates,
• pricing effectiveness,
• vintage performance,
• Establish consistent reporting definitions and enterprise KPI standards across lending functions.

Secondary Market & Balance Sheet Analytics

• Support enterprise loan sale, participation, and secondary market strategies through detailed portfolio analytics and financial modeling.
• Analyze pools for potential sale, participation, securitization, or balance sheet optimization opportunities.
• Develop and maintain reporting related to:
• gain-on-sale analysis,
• yield optimization,
• liquidity impacts,
• CECL release impacts,
• concentration management,
• and capital considerations.
• Assist in evaluating forward-flow strategies, loan pool acquisitions, participations, and secondary market execution opportunities.
• Partner with Finance and Treasury teams to support balance sheet optimization initiatives and asset‑liability management discussions.
• Support strategic initiatives related to tokenization, digital asset infrastructure, or alternative loan distribution channels as applicable.

Lending Data Governance & Integrity

• Serve as the centralized owner of lending data governance and reporting integrity across the Credit & Lending organization.
• Reconcile and validate data across core systems, LOS platforms, collections systems, reporting tools, and third‑party applications.
• Identify and remediate inconsistencies, data gaps, reporting inaccuracies, and operational reporting inefficiencies.
• Develop controls and governance processes to improve confidence in lending data and reporting outputs.
• Partner with Information Technology, Finance, Accounting, and Operations teams to improve enterprise lending data architecture and accessibility.
• Perform detailed analysis across:
• product types,
• vintages,
• channels,
• dealers,
• and geographic concentrations.
• Identify emerging trends, underwriting drift, loss drivers, performance anomalies, and portfolio optimization opportunities.
• Support enterprise credit risk monitoring and second line of defense reporting initiatives in partnership with the VP Enterprise Credit Management.
• Support collections and recovery analytics initiatives in partnership with the VP Portfolio Performance & Recovery.
• Develop predictive and behavioral analytics to support early warning monitoring and proactive portfolio management.

Strategic Decision Support

• Provide analytical support for:
• pricing strategy,
• policy modifications,
• loan sales and participations,
• reserve forecasting,
• CECL discussions,
• and balance sheet optimization initiatives.
• Assist executive leadership in evaluating strategic initiatives using data‑driven analysis and forecasting.
• Develop scenario analysis and stress‑testing models to support risk and capital management discussions.
• Develop and maintain executive‑level dashboards and automated reporting tools.
• Improve the speed, quality, and accessibility of portfolio and production reporting across the organization.
• Build reporting frameworks that support both operational management and strategic decision‑making.
• Partner with business leaders to identify reporting needs and prioritize analytical initiatives.

Technology & Process Modernization

• Support implementation and optimization of:
• AI‑enabled analytics tools,
• workflow automation systems,
• and enterprise reporting technologies.
• Identify opportunities to automate manual reporting and analytical processes.
• Support modernization of lending intelligence capabilities as the organization evolves toward a more centralized asset management model.
• Build strong cross‑functional relationships across Lending, Operations, Finance, Accounting, Treasury, IT, Risk Management, and Executive Leadership.
• Serve as a trusted analytical advisor to senior leadership.
• Mentor and develop analytical talent as the function expands over time.
• Foster a culture of accountability, analytical rigor, curiosity, and continuous improvement.

Required Skills and Abilities

• Lending Analytics
• Secondary Market Strategy
• Data Governance
• Strategic Thinking
• Executive Communication
• Process Improvement
• Cross‑Functional Collaboration

Qualifications and Education Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Data Analytics, Business Administration, Statistics, or related field.
• Minimum of 7 years of progressive experience in lending analytics, portfolio management, secondary market activities, credit risk analytics, financial analysis, or business intelligence within a financial institution.
• Strong understanding of consumer, mortgage, business, and commercial lending products and portfolio dynamics.
• Experience with loan sales, participations, secondary market analysis, or balance sheet management strategies.
• Advanced analytical and quantitative skills with ability to interpret complex data and identify actionable insights.
• Experience building executive dashboards, KPI frameworks, and portfolio reporting tools.
• Strong proficiency in data analytics and reporting platforms such as:
• SQL,
• Power BI,
• Tableau,
• Excel,
• or similar business intelligence tools.
• Strong communication skills with ability to present complex analytical findings to executive leadership.

Preferred Qualifications and Education

• Credit union or regional banking experience preferred.
• Experience supporting CECL, stress testing, reserve forecasting, or portfolio modeling initiatives.
• Familiarity with loan participation structures, whole loan sales, securitization concepts, or digital asset/tokenization initiatives.
• Experience working with AI‑enabled analytics or predictive modeling tools.
• Familiarity with lending platforms such as Origence, Temenos, collections systems, and core banking systems.
• Master’s degree in Analytics, Finance, Economics, Business, or related field preferred.
• Experience building or modernizing enterprise lending analytics functions preferred.

Supervisory Status

This position does not supervise others.

Working Conditions

This position will be required to work in an office environment with moderate noise levels, and, with or without reasonable accommodation is required:

• Must be able to remain in a stationary position for a minimum of 75% of the time
• Constantly operates a computer and other office productivity machines
• Occasionally ascends/descends stairs
• Constantly positions self in work environment
• The person in this position frequently communicates with peers, supervisors, vendors, and employees to exchange accurate information and answer questions
• Must be able to detect objects at a distance
• On occasion will move up to 20 pounds of office objects
• Works in an indoor office environment but expected to attend meetings in buildings that require travel in outdoor weather conditions

Please note: Kitsap Credit Union does not offer visa sponsorship for this position. Candidates must be legally authorized to work in the United States without current or future sponsorship.

Our Values

Integrity: We believe in acting with honesty, trust, and respect which are at the forefront of our daily engagement.

Responsibility: We believe that responsibility is holding ourselves accountable for our decisions, actions, and their outcomes.

Collaboration: We believe in the power of a diverse group of people working together to achieve a united outcome.

Authenticity: We believe activities in actions that demonstrate our commitment to be transparent, dependable, and genuine in every day.

What We Offer

Not only are we one of the largest credit unions in Washington State, and growing, but we are also a company that cares about its employees. We back that up for our employees by offering competitive pay and a benefits package that helps support you and your family’s lifestyle. We value our employees, and we strive to keep our benefits comprehensive and affordable. Some of our benefits include:

• Medical, Dental, Vision, Short- and Long‑term Disability, Life and AD&D Insurance
• Employee Assistance Program
• Choose from a PPO medical plan or a High Deductible with a Health Savings Account
• 3% KCU funded Safe Harbor Contribution to your 401K
• KCU will match up to 2% of your 401K contributions
• All 401K contributions are 100% vested
• Potential annual incentive in all roles within Kitsap Credit Union
• 8 hours of paid volunteer time off
• Discounts on KCU's products and services
• Enjoy unlimited ORCA transit access through KCU for less than $45 a year—your cost as an employee

We believe in the power of belonging – it’s in our DNA as a not‑for‑profit, member‑owned cooperative. Our un‑bank‑like structure ensures that we remain all about people: our members, our employees, and the people in the communities where we live and work. We work hard to provide a collaborative and inclusive environment where you can grow and excel in your career.

We are dedicated to serving our members by providing personalized experiences, convenient access, and highly competitive products and services. But it goes much deeper than that. For more than 86 years, we have been relentless about making a positive difference in our communities. We understand that when our members and communities succeed, we all succeed, and that success can’t happen without great employees.

Employment is contingent upon satisfactory background and/or reference checks. Kitsap Credit Union is an Equal Opport