Senior Financial Analyst - Community Banking

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The Position Job Title Senior Financial Analyst - Community Banking

Job Description

Position Overview The Senior Financial Analyst — Community Banking is a member of the bank's FP&A team, providing financial planning and analysis support to the bank's core business units:
Lending, Retail Banking & Deposits, and Treasury Management. This role is central to the monthly financial close, forecasting, and business performance processes that keep leadership informed and the institution on plan.

A defining characteristic of this role is its operational versatility. The analyst is expected to function simultaneously as a capable strategic thinker — able to surface insights, flag risks, and communicate performance narratives to senior leaders — and as a productive individual contributor who executes high-volume analytical and reporting work, increasingly with the support of AI tooling. The ideal candidate moves comfortably between directing analysis and doing it, without requiring close supervision at either level.

Business Unit Coverage Lending Support  financial performance analysis across commercial, consumer, and mortgage lending portfolios.
• Loan origination volume and pipeline forecasting
• Net interest income (NII) and margin analysis
• Credit loss provisioning and reserve tracking
• Charge-off and delinquency trend analysis
• Yield and spread performance vs. budget

Retail Banking & Deposits Partner with retail leadership on deposit performance, customer economics, and branch profitability.
• Deposit balance forecasting by product type
• Cost of funds and rate sensitivity monitoring
• Retail fee income analysis
• Customer acquisition cost and relationship profitability
• Branch-level P&L reporting support

Treasury ManagementA customer-facing, fee-generating line of business — not the corporate treasury function. Treasury Management delivers the products and services that help commercial and small-business clients run their day-to-day finances: managing accounts, moving and collecting payments, and optimizing working capital. This role provides the financial analysis that helps leadership grow and manage the profitability of that business.

Analytical focus areas
• Fee income analysis and forecasting across treasury management products
• Product adoption, penetration, and usage trends (ACH, wires, lockbox, positive pay, merchant services)
• Customer and segment profitability, with emphasis on small-business relationships
• Pricing performance and account analysis economics
• Client growth, attrition, and retention metrics
• Revenue contribution vs. budget and prior year

Key Responsibilities Monthly Reporting & Financial Close
• Prepare monthly divisional financial packages for the Banking Division, including P&L, variance analysis, and executive commentary
• Own the month-end close reporting calendar across all three business units, coordinating with accounting and business line partners
• Build and maintain management reporting templates, dashboards, and recurring deliverables
• Translate financial results into concise narratives that explain drivers, risks, and trends to non-financial stakeholders
• Identify and resolve data discrepancies between source systems and financial statements

Forecasting & Budgeting
• Lead the FP&A contribution to annual budgeting and multi-year planning cycles for all three business units
• Maintain rolling forecast models that incorporate rate environment shifts, volume trends, and strategic initiatives
• Update balance sheet and income statement projections monthly based on actuals, pipeline data, and management assumptions
• Support scenario and sensitivity modeling…