Financial Analyst-Specialist

Summary

Performs financial analysis, modeling, and reporting for the Finance team across one or more functional areas — reporting, financial planning and analysis, projects, or treasury and balance-sheet management — building and maintaining the financial and member (deposit and loan) data, models, and standard reports that support forecasting, budgeting, and decision-making. Works independently within established frameworks, handles moderately complex and non-routine requests with general guidance, and begins to contribute process improvements.

Essential Functions:

• Build and maintain financial models and forecasts — including budget and forecast, profitability, and pricing — using validated financial, deposit, and loan data, to support organizational decision-making.
• Prepare and analyze management, ALCO, and liquidity reporting, including budget-to-actual results; investigate variances and identify likely drivers such as mix shift, timing, or rate change.
• Administer the loan analytics platform and other reporting and forecasting tools, including data extraction from the mortgage servicing and collections systems.
• Maintain historical loss data and the CECL framework, including supporting documentation.
• Support call report, FASB, and other regulatory and compliance reporting.
• Improve reporting and forecasting processes, including automating recurring outputs and moving manual reconciliations toward real time.
• Coordinate with department and cost-center owners to gather inputs and validate results; complete moderately complex ad hoc analysis and finance projects with general guidance.
• Follow policies, procedures, and internal controls; recognize, escalate, and help resolve exceptions; perform other related duties as assigned.

Qualifications

Experience

• Minimum 2–4 years of relevant experience in accounting, finance, or a related analytical role; experience in a financial institution preferred, prior credit union experience a plus.

Education

• Bachelor's degree in finance, accounting, business administration, or a related field; equivalent, directly relevant professional work experience may be substituted for education.

Knowledge

• Thorough understanding of Generally Accepted Accounting Principles (GAAP).
• Thorough understanding of core finance concepts, including net present value, internal rate of return, and discounted cash flow.
• Working knowledge of procedural controls and data-validation techniques.
• Understands how own work supports team and departmental objectives; recognizes the impact of quality, timeliness, and decisions on stakeholders and outcomes.
• Knowledge of credit union products and services, features, and benefits.

Skills/Abilities

• Applies working knowledge of key tools and processes to complete work accurately and reliably, while beginning to handle more complex situations and seeking guidance when needed.
• Demonstrates a consistent service mindset and understands how this role's output affects the member experience; adheres to compliance requirements and escalates risk when necessary.
• Applies analytical thinking to solve a range of problems, using judgment within established frameworks; evaluates information, identifies options, and recommends solutions; communicates effectively with stakeholders to align on expectations.
• Advanced spreadsheet skills; experience with data query and management tools, including SQL.
• Strong analytical, organizational, and communication skills; able to explain financial concepts clearly and work independently to meet deadlines.
• Works independently on assigned responsibilities with general guidance; prioritizes work and resolves routine to moderately complex issues; seeks input for higher-risk or ambiguous situations.

Physical Requirements/Work Environment

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times.
• Normal office environment.