Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start **Caring. Connecting. Growing together.** The Credit Portfolio Analyst is responsible for actively managing and minimizing credit risks related to the Bank's consumer and small business lending portfolios. The Credit Portfolio Analyst is experienced in credit analysis, risk management, monitoring portfolio performance, reporting key financial metrics, and can offer innovative ideas to foster incremental growth for the Bank. You’ll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. **Primary Responsibilities:** + Portfolio Analysis: Monitor existing credit portfolios to identify potential risks and opportunities. Present findings and recommendations based on data analysis + Reporting and Monitoring: Create detailed reports on credit risk metrics, portfolio performance, and trends for management. Develop dashboards to enhance data visualization and accessibility to enable quicker decision-making and more informed insights into business performance + Stakeholder Communication: Effectively communicate portfolio performance, risk assessments, watch list monitoring, and market trends to senior management, credit committee, and other stakeholders + Collaboration: Work closely with leaders from other departments, including credit underwriting, credit administration, loan officers, loan closing/servicing, loan accounting, and loan reporting to ensure alignment and improve efficiencies across interconnected processes + Compliance and Regulation: Ensure that portfolio management processes and decisions comply with relevant laws, regulations, and company policies. Stay updated on changes in the regulatory environment that may impact underwriting criteria to maintain compliance You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. **Required Qualifications:** + 2+ years of experience analyzing consumer and/or small business credit portfolios + 2+ years of experience with financial analysis tools (e.g., Excel) + 2+ years of experience querying large databases and statistical software (e.g., SQL) + 2+ years of experience with Data Visualization & Interactive Dashboard tools (e.g., PowerBI or Tableau) + Familiarity with banking regulations, credit policies, and economic factors impacting credit risk + Proficient in analyzing and interpreting large volumes of data to inform systemic underwriting decisions and enhance risk assessment processes + Proven solid analytical and quantitative skills to interpret data and assess credit risk effectively + Proven excellent verbal and written communication skills for presenting findings and collaborating with stakeholders **Preferred Qualifications:** + 4+ years of experience analyzing consumer and/or small business credit performance + 4+ years of experience with financial analysis tools (e.g., Excel) + 4+ years of experience querying large databases and statistical software (e.g., SQL) + 4+ years of experience with Data Visualization & Interactive Dashboard tools (e.g., PowerBI or Tableau) + 2+ years of experience with advanced data analysis tools and programming languages (e.g., R or Python) for deeper insights *All employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy The salary range for this role is $71,600 to $140,600 annually based on full-time employment. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. UnitedHealth Group complies with all minimum wage laws as applicable. In addition to your salary, UnitedHealth Group offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with UnitedHealth Group, you’ll find a far-reaching choice of benefits and incentives. **Application Deadline:** This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. _At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone–of every race, gender, sexuality, age, location and income–deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission._ _Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law._ _UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment._