Financial Analyst - FP&A

Rize Federal Credit Union is looking for a Financial Analyst – FP&A to own the credit union's forward-looking financial picture. You'll lead the annual budget, run the reforecast cycles that follow it, build the balance sheet and income projections that go to the Asset Liability Committee and the Board, and explain how actual results compare to plan.

You'll maintain one documented assumption set across loan, deposit, investment, and expense projections, so every forecast we publish reconciles to the same inputs. This is an individual contributor role reporting to the Vice President, Finance.

• Lead the annual budget cycle end to end: calendar, templates, departmental input, consolidation, review, and the final Board-approved package.
• Build and maintain balance sheet, income statement, and capital projections under the assumption set approved by the VP, Finance.
• Produce volume projections for loan production, certificate maturities and rollovers, cash flow, and deposit growth.
• Run two reforecast cycles per year, documenting what changed against the original budget and why.
• Maintain the forecast model, including documentation, version control, and a traceable path from every input to every published figure.

• Produce monthly budget variance analysis for the balance sheet and income statement, with a written narrative explaining each material variance, not just its size.
• Break interest income and interest expense variances into rate and volume components.
• Analyze operating expense variances, including compensation, fee income, and non-operating items.
• Track the full-year outlook against budget and flag emerging shortfalls early enough for management to act.

• Produce the monthly Cash Flow Projection Report for the Asset Liability Committee.
• Back-test cash flow forecasts against actual results twice a year, documenting variance drivers and model adjustments.
• Monitor and project cash requirements, cash availability, and funding requirements, including daily cash position and short-term funding analysis.

• Produce recurring deliverables using the department's analytical and automation tooling, and verify every published figure against its source before release.
• Produce the monthly Contingency Funding Report, including liquidity stress scenarios and available borrowing capacity.
• Forecast liquidity and periodically back-test those projections.
• Prepare and upload quarterly asset liability management data to our ALM service provider.

• At least 3 years of financial analysis experience, preferably in a financial institution
• Demonstrated ownership of a full annual budget cycle, from calendar through Board-approved package
• Proven experience building and maintaining multi-year financial forecasting models
• Experience producing variance analysis with a written explanatory narrative, not variance columns alone
• Strong financial statement knowledge and an understanding of the structure of a credit union or bank balance sheet and income statement
• Working knowledge of interest rate risk, deposit behavior, and loan prepayment behavior, and how each affects a forecast
• Demonstrated ownership of a recurring deliverable through a full production cycle, including reconciliation and integrity checks, whether manual or automated
• Bachelor's degree in finance, accounting, economics, business administration, or a related field
• High proficiency in Microsoft Excel, including complex formulas, Pivot Tables, and other methods of working with large datasets
• Experience with a budgeting and forecasting platform
• Familiarity with SQL and the ability to write queries against a core or data warehouse…