• Understand the current data structure and validations • Perform a detailed mapping of the Risk Center, including regulatory documents DOC 3040, 3044 and 3050 • Analyze public metadata from Bacen (Brazilian Central Bank) and internal data in a democratized environment (AWS) • Conduct structured interviews with Finance stakeholders to identify pain points, risks and improvement opportunities • Carry out exploratory studies using data analysis and ML techniques, including prototype development and roll-out

• Understand the current data structure and validations • Perform a detailed mapping of the Risk Hub (Central de Riscos) • Analyze public Bacen metadata and available internal data • Conduct interviews with stakeholders to identify opportunities • Run AI/Machine Learning experiments and perform advanced analyses

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description The Sr. Special Assets Analyst serves as a dedicated portfolio intelligence role focused exclusively on data analysis, trend identification, underwriting quality assessment, and vendor performance oversight across defaulted business purpose loans. This position functions as an internal consulting resource to identify systemic issues, inform credit policy evolution, evaluate third-party service provider effectiveness, and provide analytical support to decision-makers. Unlike operational default management roles, this position does not manage individual loan workouts, coordinate foreclosures, or oversee REO operations. The Analyst's primary deliverable is actionable intelligence that improves future loan quality, optimizes operational and vendor performance with the objective to reduce future default risk. In This Role You Will: - Portfolio Analytics & Systemic Risk Identification - Conduct quantitative and qualitative analysis across the entire special assets portfolio to identify trends, patterns, and early warning indicators of credit deterioration. - Develop and maintain analytical dashboards and reporting tools that track key portfolio metrics including default rates, loss severity, geographic concentrations, and product-level performance. - Perform cohort analysis comparing loan vintage performance to identify underwriting quality shifts over time. - Analyze correlation between origination characteristics (LTV, FICO, property type, sponsor experience, market) and subsequent default outcomes. - Prepare recurring portfolio performance reports for senior management with data-driven insights and recommendations. - Present analytical findings to the Special Assets Committee, Underwriting, and executive leadership. - Vendor Performance Management & Quality Assurance - Monitor and evaluate default supporting vendor performance (onshore/offshore) in executing default monitoring, collateral tracking, and portfolio surveillance activities against established service level agreements (SLAs) and quality standards. - Recommend optimization strategies based on performance data analysis to improve vendor effectiveness and efficiency. - Review work product quality from vendor teams including property inspection reports, collateral valuation summaries, borrower contact documentation, and timeline tracking. - Conduct data quality audits on vendor-supplied information to identify accuracy issues, missing data, reporting delays, or inconsistencies requiring remediation. - Analyze vendor efficiency metrics including turnaround times, error rates, escalation frequency, and cost metrics to benchmark performance against expectations. - Identify process gaps and training needs within offshore/liquidation operations and recommend specific procedural improvements, enhanced controls, or workflow modifications. - Develop performance scorecards that objectively measure vendor contributions to portfolio outcomes including early detection rates, valuation accuracy, and documentation completeness. - Collaborate with vendor team leadership to communicate performance findings, implement corrective action plans, and verify improvement outcomes. - Recommend vendor management changes including scope adjustments, resource reallocation, contract modifications, or alternative vendor evaluation when performance gaps persist. - Document vendor performance trends for senior management review and contract renewal decisions. - Serve as quality control bridge between offshore operational teams and internal Special Assets leadership to ensure consistent standards. - Underwriting Quality & Process Improvement Analysis - Conduct comprehensive post-mortem analysis on defaulted loans to reverse-engineer underwriting decisions and identify policy gaps or exceptions that contributed to loss. - Evaluate whether defaults resulted from operational deficiencies, policy violations, exception approvals, documentation weaknesses, or external market factors. - Collaborate with Underwriting leadership to translate analytical findings into specific policy recommendations, enhanced controls, or training needs. - Assess effectiveness of risk mitigation structures (guarantees, reserves, cross-collateralization) in actual default scenarios. - Document case studies of both successful and unsuccessful credit decisions to inform underwriting and operations training programs. - Track and report on adherence to policy over time and correlation to portfolio performance. - Identify emerging market risks or product vulnerabilities requiring policy adjustments. - Loss Mitigation Program Effectiveness Analysis - Evaluate loss mitigation program performance by analyzing outcomes across different workout strategies including loan modifications, forbearance agreements, repayment plans, deed-in-lieu arrangements, and short sales. - Compare recovery rates and loss severity across mitigation approaches to identify which strategies yield optimal outcomes under specific borrower and collateral profiles. - Analyze time-to-resolution metrics for different loss mitigation pathways to assess efficiency and identify bottlenecks or process delays. - Track and report on borrower re-default rates following various workout structures to measure program sustainability and effectiveness. - Conduct cost-benefit analysis of loss mitigation alternatives versus foreclosure to quantify the economic value of workout programs. - Assess consistency in loss mitigation decision-making by comparing similar files with different outcomes to identify subjective bias or policy interpretation gaps. - Evaluate whether loss mitigation eligibility criteria are appropriately calibrated by analyzing borrower profiles that succeeded versus failed in workout programs. - Recommend program enhancements based on empirical data including revised qualifying criteria, modified workout terms, or new resolution alternatives. - Benchmark company loss mitigation performance against industry standards and peer lenders to identify competitive advantages or gaps. - Quantify the financial impact of loss mitigation programs on portfolio-level recovery rates and investor returns. - Valuation Analysis & Market Intelligence - Analyze valuation assessment quality and accuracy by comparing origination valuations to subsequent market performance and distressed sale outcomes. - Evaluate valuation performance and identify systematic over-valuation or under-valuation trends. - Research and report on local market dynamics affecting collateral values including new construction supply, absorption rates, price trends, and regulatory changes. - Build and maintain databases of comparable sales, market trends, and construction cost benchmarks to support valuation reasonability assessments. - Assess the accuracy of as-is (AIV) and as-repaired value (ARV) projections relative to actual market outcomes. - Provide market intelligence reports to Underwriting and Portfolio Management teams. - Cross-Functional Collaboration & Special Projects - Serve as an analytical resource to Special Assets management for resolution strategy evaluation when requested. - Participate in system implementation projects related to portfolio monitoring and reporting infrastructure. - Support ad-hoc analysis requests from executive leadership, Risk Management, and Underwriting teams. - Contribute to the development of automated reporting solutions and business intelligence tools. Qualifications - Bachelor's degree in Finance, Economics, Statistics, Data Analytics, Mathematics, Real Estate, or related quantitative field required; Master's degree preferred. - 5-7 years of professional experience in ONE OR MORE of the following areas: - Credit analytics or portfolio analysis - Credit risk assessment - Underwriting quality control or loan review - Vendor management or performance analytics - Business intelligence or data analytics in financial services - Portfolio management or investment analytics - Experience analyzing defaulted loan portfolios from an analytical perspective (measuring outcomes, identifying trends, evaluating program effectiveness) strongly preferred. - Experience evaluating third-party vendor performance or managing offshore service provider relationships strongly preferred. - Background in ONE OR MORE of the following areas: residential real estate investment analysis, construction lending economics, property valuation methodology, or mortgage portfolio analytics. Benefits - Health insurance - Dental insurance - Vision insurance - 401(k) - 401(k) matching - Paid time off - While At Dominion You Will Enjoy: - Company outings & social events - Virtual events - Companywide competitions and raffles - Personal financial workshops - Orioles season tickets

• Deliver data-driven solutions that optimize fleet utilization and operational efficiency across 46,000+ assets in 545+ locations. • Enable decision-making through demand forecasting, asset cascading, contract analysis, and risk detection. • Partner with engineering and business stakeholders to take models from concept to production on AWS. • Design and develop ETL/ELT pipelines using Snowflake, Snowpipe, internal systems, Salesforce, SharePoint, and DocuSign. • Build and maintain dimensional data models in Snowflake using dbt, including data quality checks (Great Expectations, Deequ). • Implement CDC patterns for near real-time data synchronization. • Manage and evolve the data platform across S3 Data Lake (Apache Iceberg) and Snowflake data warehouse. • Prepare ML features using SageMaker Feature Store. • Develop analytical dashboards and reports in Power BI.