Sr. FP & Analyst

Purpose / Objective

FP&A is a small team that serves as the financial and analytical liaison between the core business units, corporate functions, investor relations, and senior management. It covers a wide variety of responsibilities, including budgeting and forecasting, capital planning, executive reporting, and analysis of new business opportunities.

The Senior FP&A Analyst position plays a critical role in managing the Bank’s financial strategy through budgeting, forecasting, profitability analysis, and financial reporting. The Senior FP&A Analyst will partner with senior and executive leadership across the bank to provide strategic insights while maintaining and managing data integrity. The Senior FP&A Analyst will train FP&A team members for further development of the team.

• Own key components of the annual budget and multi-year financial plans across the consolidated bank and legal entities.
• Build, enhance, and maintain integrated financial models (income statement, balance sheet, capital, and liquidity).
• Partner with business line leaders to develop assumptions, challenge forecasts, and align plans with strategic objectives.
• Support capital planning, including stress testing, scenario analysis, and regulatory considerations.
• Drive continuous improvement in forecasting accuracy, processes, and governance.

• Analyze financial performance of consolidated bank, regional banking areas, and business lines, including:
• Net interest margin (NIM) and balance sheet trends
• Loan and deposit growth, pricing, and mix
• Credit quality and provision dynamics
• Non-interest income and expense management
• Prepare and present monthly and quarterly variance analyses vs. budget, forecast, and prior periods.
• Identify key drivers of performance and proactively highlight risks and opportunities.
• Develop and monitor KPIs including ROA, ROE, efficiency ratio, capital ratios, liquidity metrics, and growth indicators.
• Conduct deep‑dive analyses on emerging trends (e.g., deposit behavior, pricing changes, customer activity).

• Prepare monthly and quarterly internal financial reporting packages for senior management.
• Develop executive‑level dashboards and presentations that clearly communicate performance insights.
• Ensure consistency and accuracy in consolidating financials across multiple bank charters.
• Provide clear, concise recommendations to support strategic and operational decisions.

• Play a key role in the design, implementation, and ongoing enhancement of profitability frameworks, including:
• Product and customer profitability
• Branch and cost center performance
• Partner with FP&A leadership to refine methodologies and improve transparency of profitability reporting.
• Analyze product pricing, margin performance, and customer segmentation to support growth and optimization strategies.
• Deliver actionable insights to senior management on business line performance and strategic initiatives.

• Collaborate in efforts to enhance FP&A tools, data infrastructure, and reporting processes.
• Partner with Data & Analytics teams to improve data quality, automation, and scalability.
• Support implementation and optimization of planning and reporting systems (e.g., FP&A platforms, BI tools).
• Drive efficiency through automation and standardization of recurring analyses and reporting.

• Bachelor’s Degree in Accounting or Finance or equivalent experience is required

• 2‑4+ years of experience in FP&A, corporate finance, banking finance, or related field
• Prior experience in a financial institution or bank holding company strongly preferred

• Advanced financial modeling and analytical skills
• Strong proficiency in Excel; experience with BI tools (Power BI, Tableau) required
• Experience utilizing a budgeting & forecasting tool (Axiom, Empyrean)
• Deep understanding of bank financial statements, regulatory ratios, and performance drivers
• Ability to synthesize complex data into clear, executive-level insights
• Strong communication and presentation skills with senior stakeholders
• Proven ability to manage multiple priorities in a fast‑paced environment
• High attention to detail and commitment to accuracy
• Strategic thinking combined with hands‑on execution

• Business and financial acumen (banking‑focused)
• Analytical rigor and problem‑solving
• Intellectual curiosity and continuous improvement mindset
• Cross‑functional collaboration and influence
• Strong ownership and accountability
• Cybersecurity awareness to protect the Bank, its systems, and customers

Beacon Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.