Reporting to the Vice President of Finance, the Financial Analyst will focus on the product pricing and profitability, as well as balance sheets, including fixed income risk/reward analysis. This strategic position leads the bond analysis along with the administration of Current Expected Credit Losses (CECL) modeling requirements. The Financial Analyst will provide insight to senior management on concentration recommendations.

Principal Duties and Responsibilities:

• Monitor loan portfolio performance, concentrations, and trends to identify emerging risks.
• Able to analyze large data sets leveraging credit risk analytics platform to review loan pools.
• Analyze the performance of loan portfolios, including usage, delinquency, charge-offs, ROI of reward programs, and dealer relationships. Recommend strategies to enhance profitability, engagement, and growth.
• Conduct independent fundamental research and analysis on assigned companies/sectors, develop financial models, and provide investment recommendations, credit ratings and outlooks
• Cultivate and maintain strategic relationships with broker-dealers. Collaborate closely with the accounting to identify compelling investment opportunities, emphasizing relative value analysis from both issuer and sector perspectives.
• Deliver monthly, quarterly, and ad hoc reports to senior leaders with interpretation of results and actionable recommendations.
• Drives innovation and continuous improvement across financial operations, ensuring efficiency, scalability, and adaptability in support of the Credit Union’s mission.
• Evaluate secondary market pricing and investor guidelines (e.g., Fannie Mae), and support pricing strategy development to improve margin optimization.
• Lead the production process of the monthly Current Expected Credit Loss (CECL) estimation using 3rd party vendor application including data validation.
• Monitor and report on credit risk exposures and trends. Provide recommendations to mitigate potential credit risks.
• Monitor financial markets, current events, and economic trends to identify opportunities and risks
• Partner with accounting to identify and evaluate portfolio investment opportunities. Communicate market intelligence and facilitate strategic allocation of securities based on comprehensive market analysis.
• Perform model back testing, sensitivity analysis and scenario analysis along with providing support to address model validation findings.
• Provide analytical support for the model validation, business reviews, audit reviews and ad-hoc requests.
• Serve as a subject matter expert for CECL assumptions and macroeconomic variable integration in forecasting models.

Work Relationships and Scope: Reports directly to the Vice President of Finance. Will have regular contact with employees of the Finance Department.

Performance Dimensions:

• Must maintain the integrity of confidential business information and follow all guidelines on confidentiality.
• Provide outstanding services to co-workers & members.
• Possess the ability to attend to numerous details with frequent interruptions under the stress of maintaining courteous, effective, and timely relations with a variety of individuals and personalities.
• Promotes quality, accuracy, timeliness, reliability, and thoroughness of work performed.  
• Is punctual, flexible, reliable, and demonstrates a friendly and helpful attitude.
• Possess ability to gain the trust and respect of members, management, and employees. Also maintains a positive, professional, team-oriented working relationship with staff and outside vendors.
• Enhance job growth through continuing education, as required or necessary.

Knowledge, Skills and Abilities Required:

Education/Experience:

• Bachelor's degree in Accounting, Finance, Economics, related field required or equivalent work experience in lieu of degree. 
• Master’s of Business Administration preferred.
• 5–7 years of experience in commercial credit analysis or financial modeling and analysis, with demonstrated leadership in model development. 
• Expert-level proficiency in Microsoft Excel and advanced financial modeling preferred. 
• Familiarity with financial models such as CECL, ALM, capital planning and stress testing, sensitivity analyses, and budget/forecast.

Skills and Abilities:

• Strong analytical and problem-solving abilities with attention to detail
• Excellent communication skills with a track record of presenting to senior stakeholders
• Ability to work in a high production environment and respond quickly and effectively under pressure, changing priorities, and tight timelines/deadlines.
• Ability to lead within a team environment to make rational, timely decisions with accountability.
• High degree of accuracy, attention to detail, integrity, work ethic, and willingness to learn.
• Ability to learn new software products and think creatively to find new solutions/efficiencies.
• Ability to work with a wide range of personalities in a courteous, effective, and efficient manner.  
• Knowledge and ability to apply current financial service industry standards, laws, and regulations.
• Ability to present ideas, report facts and other information clearly and concisely. 
• Proficient knowledge of the Microsoft Suite (Outlook, Word, Excel, PowerPoint).
• Proficient operation of a variety of general office equipment such as a computer, software applications, typewriter, calculator, telephone, copy machine, fax machine and other similar devices or programs related to the position.

Working Conditions:

Job Conditions/Work Location: The majority of work will be performed in a normal office environment. Hours of work will generally be during regular business hours. There will be some variation in work hours due to special projects, deadlines, education and other concerns. The noise level in the work environment is usually moderate. Will make periodic visits to branch locations.

Physical Requirements: Ability to sit for extended periods of time, regularly access files (some standing, walking, climbing, bending, stooping, lifting and carrying of usually light materials.) Frequent mental and visual concentration required for computer usage.

Equipment Used: Various software programs, telephone, computer, copy machine, calculator, fax machine, and other office equipment.

Hazards: Only those present in a normal office setting; no known hazards. In the course of working with the public, the employee may, on a very limited basis, encounter abusive, aggressive or unpredictable threatening behavior. Must observe safety and security practices at all times.  

Acknowledgment: This job description describes the general nature and level of work performed by the employee assigned to this position. It does not state or imply that these are the only duties and responsibilities assigned to the job. The employee may be required to perform other job-related duties as requested by leadership. All requirements are subject to change over time and to possible modifications to reasonably accommodate individuals with a disability.