Senior Associate - Senior Credit Modeling Analyst

Overview

This role is 100% remote and supports federal credit reform and allowance for loss activities for a portfolio of federal loan programs. Responsibilities include loan accounting, cash flow modeling, net present value (NPV) calculations, data reconciliations, and financial reporting, with a strong focus on the accuracy and integrity of model inputs, outputs, and supporting documentation.

Responsibilities

• 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.

Requirements

• 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.

Preferred Qualifications

• 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).

Compensation & Benefits

• Salary range (United States): $80,000 to $115,000.
• Total Rewards package including:
  • Major medical benefits such as dental and vision coverage
  • 401(k)-contribution plan
  • Holiday and personal time off
  • Professional development training & certification benefits
  • Health & wellness subsidies
  • Paid time off for community service

Location

• 100% remote.

Clearance / Work Authorization

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