Financial Analyst - Profitability & Pricing

Position:Financial Analyst - Profitability & Pricing

Location: 12701 Schabarum Ave

Irwindale, CA

Remote Status: Remote

Job :265

# of Openings:1

Financial Analyst – Profitability & Pricing

Rize Federal Credit Union is looking for a Financial Analyst – Profitability & Pricing to own how we price our products and measure what they earn. You'll maintain our funds transfer pricing methodology, produce the monthly pricing package and the rate recommendations within it, and run profitability analysis across our product set and our consolidated credit union service organization.

This is an individual contributor role reporting to the Vice President, Finance.

• Own and maintain the funds transfer pricing methodology, including documentation, periodic review, and the monthly transfer rates applied to each product.
• Produce quarterly profitability analysis by product, portfolio, branch, and delivery channel.
• Perform the monthly profitability system upload and produce the resulting reporting.
• Produce risk-adjusted return on capital analysis for lending products and portfolios.
• Analyze fee income by source and review our fee schedule against the market.
• Produce the monthly loan and share pricing analysis with an explicit rate recommendation and the analysis behind it.
• Produce the monthly loan and deposit rate survey of our competitive set, and analyze our rates against that set and our own margin requirements.
• Maintain current market rate inputs, including Federal Home Loan Bank advance rates and competitor rates and fee schedules.
• Maintain the certificate rollover tracking log and analyze retention against offered rates by tier and term.
• Produce deposit trend analysis and projections by product and tier.

• Produce monthly loan production reporting, including the loan waterfall and new loan analysis by channel, term, and credit tier.
• Track member acquisition and retention and analyze them against pricing actions, incorporating new membership reporting into the pricing analysis.

• Prepare the pricing committee agenda and executive summary.
• Record and issue the committee minutes.
• Assemble and distribute the final pricing package.

• Produce recurring deliverables using the department's analytical and automation tooling, and verify every published figure against its source before release.
• Analyze cost of funds, comparing Federal Home Loan Bank advance rates, the U.S. Treasury yield curve, and our own cost of funds.
• Produce the monthly Treasury Curve Report for the Asset Liability Committee.
• Retrieve monthly investment data files from our investment reporting platform.

• At least 3 years of financial analysis experience, preferably in a financial institution
• Direct experience with funds transfer pricing: methodology selection, rate construction, documentation, and ongoing maintenance
• Demonstrated experience in deposit and loan pricing analysis, including making and defending rate recommendations to a pricing or management committee
• Experience operating a profitability measurement system at the product, branch, or member level
• Understanding of net interest margin mechanics and how pricing decisions move it
• Familiarity with deposit behavior, certificate rollover behavior, and price elasticity in a retail financial institution
• 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…