Senior Financial Analyst

Senior Financial Analyst – Interra Credit Union

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As a Senior Financial Analyst, you will be responsible for providing in-depth data‑driven financial analysis and long‑range forecasting and planning for the Credit Union. You will support the Finance Manager by deriving meaningful insights from historical performance data to drive effective decision making. You will provide highly specialized financial consulting, conduct product pricing analysis and recommendations, and identify key performance metrics and success factors.

Accountable for reviewing, analyzing, and recommending day‑to‑day investment and wholesale funding portfolio activities, executing the annual budget process, providing analysis to executive management, and leading both deposit and loan pricing committees. You will also provide analysis and recommendations that drive margin and profitability, ensuring compliance with pertinent Credit Union policies.

Direct Reports:
None

25% Provide financial, analytical, and forecasting expertise to drive data‑driven decision making. Provide strategic balance sheet management recommendations to management through ongoing forecasting and Asset Liability Management analysis. Develop and maintain ongoing risk‑return analysis guidelines to drive margin‑related balance sheet decisions. Develop financial analytical and forecasting models to predict results of business initiatives. Develop specialized analytical tools to facilitate valuation analysis or solve business problems.

Understand the whole financial function and the key business areas it supports. Develop and maintain an ongoing model monitoring and governance policy in coordination with the Manager Finance. Ensure all requirements in the policy are met. Evaluate and manage the interest rate risk position of the Credit Union utilizing advanced tools such as derivatives. Coordinate and assist the Manager Finance to ensure that annual stress testing and scenario analysis are complete.

25% Oversee and execute the Credit Union’s investment strategy, utilizing Bloomberg, within the investment policy guidelines established by the Asset Liability Committee considering forecasted liquidity needs, liquidity risks, capital constraints and strategic initiatives. Support junior‑level analysts with coordinating monthly and quarterly forecasts in addition to the annual planning process for assigned business units. Assist junior‑level analyst staff with developing insightful and standard reporting that will guide decision making at the executive level.

Responsible for annual updates to management‑reporting infrastructure cost allocations and monthly allocation processing.

20% Analysis and interpretation of loan and deposit product pricing and profitability. Formulate recommendations to management for discussion in loan and deposit pricing. Develop and maintain loan pricing models/software to ensure accurate pricing output information. Ensure that data and reporting supplied in committee meetings are relevant and drive discussion for decision making. Ensure product pricing is within the scope of the Credit Union’s product pricing strategies through complex modeling and analysis.

Ensure that pricing strategies align with strategic initiatives.

15% Lead various financial projects and ad‑hoc analysis support relating to expenses and large vendor payments. Develop integrated models, projections, reports, and presentations that concisely identify costs/benefits and risk. Create and analyze monthly, quarterly, and annual reports and ensure financial information has been recorded accurately. Handle complex and high‑level financial analysis, supporting junior‑level analysts in assigned ad‑hoc projects and analysis. Present and discuss analysis with senior management.

Utilize back‑testing results from ad‑hoc analysis to drive efficiencies and process improvements for future analysis.

15% Prepare and review the annual forecast/budgeting process from initiation to Board approval for their area of responsibility. Maintain confidentiality of all…