Credit Analyst II - Credit MIS Reporting

ABOUT US

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation.

At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you.

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OVERVIEW

As a Credit Analyst II for Credit MIS Reporting, you will support credit risk reporting and data analysis used for management reporting (MIS). In this role, you will produce accurate, timely reports and assist with improving reporting processes for consumer and commercial credit portfolios. You will work with data from multiple third-party sources, investigate differences in reported results, and follow established methods to map data into key metrics (KRIs/KPIs). Your primary focus will be supporting reporting for CCBX’s fintech partners and the internally managed CCB portfolio, while helping maintain reliable, well-documented reporting outputs.

RESPONSIBILITIES TO INCLUDE

• Assist with preparation and validation of credit risk materials used for management, committee, and board-level reporting.

• Gather and document data requirements to help map source data into Key Risk Indicators (KRIs) and Key Performance Indicators (KPIs) used in credit risk reporting.

• Perform routine data cleaning and transformation to improve accuracy and consistency in MIS reporting.

• Run, update, and help maintain automated reports and recurring reporting packages.

• Assist with exploratory analysis to identify trends, outliers, and data issues in portfolio reporting.

• Support timely completion of monthly reporting, escalating issues to the manager when appropriate.

• Help reconcile and investigate discrepancies across partner, vendor, and internal data sources.

• Follow team standards for documentation, version control, and quality checks to support auditability and repeatability.

  QUALIFICATIONS

• Clear verbal and written communication skills, with the ability to summarize findings for different audiences.

• Strong attention to detail with commitment to data accuracy, documentation, and meeting recurring deadlines.

• Ability to work independently on assigned tasks while collaborating with the broader team.

• Comfortable investigating inconsistent data, reconciling results across sources, and identifying root causes.

• Ideal candidates enjoy solving data puzzles, tracing discrepancies to root cause, and improving repeatable processes.

• EDUCATION/EXPERIENCE

• Bachelor’s degree in Business Analytics, Data Science, Finance, Statistics, or a related field;

• OR an equivalent combination of education and relevant work experience. 2–4 years of relevant experience in data analytics, credit reporting/MIS, business intelligence, credit risk, or related fields.

• Experience with recurring reporting, data validation, and metric definitions.

• Strong Excel skills (PivotTables, lookups, formulas).

• Familiarity with BI/reporting tools such as Omni, PowerBI, or Looker.

• Working knowledge of SQL; Python or R is a plus.

• Experience cleaning, reconciling, and investigating data issues.

• Exposure to credit risk metrics, controls, or regulatory reporting is a plus.

• Familiarity with lending products and credit concepts in a Bank or FinTech environment preferred.

• Familiarity with Microsoft 365 tools (Outlook, PowerPoint, SharePoint).

HOW YOU’LL THRIVE AT COASTAL

• Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.

• Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.

• Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.

• Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.

• Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.

• Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence.

BEING YOU AT COASTAL

Coastal is an equal opportunity employer. We are committed to providing a workplace free from discrimination and harassment. All employment decisions are based on merit, qualifications, and business needs. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status under applicable laws.

BENEFITS WE OFFER

We’re proud to offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Our offerings include:

• Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.

• Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.

• Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.

• Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.

• Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.

• Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.

• Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.

• 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.

• Paid Time Off: Generous vacation and sick leave policies to support your time away from work.

• Holidays: Enjoy 11 paid holidays throughout the year.

Check out our benefits on our careers site!!

PHYSICAL DEMANDS

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee must be able to:

• Sit for extended periods of time.

• Stand for extended periods of time.

• Perform repetitive finger, hand, and arm movement.

• Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.

• View and read computer screens for extended periods.

• Occasionally stoop, kneel, crouch, or crawl.

• Occasionally lift or move up to 10 pounds.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.