Financial Analyst

Gulf Winds Credit Union offers innovative financial tools that give our members freedom to live life with their finances under control. Since our founding in 1954, we have grown from a single branch in Pensacola, Florida, to a regional institution with over $1 billion in assets and 83,000+ members across Florida, Alabama, and Georgia. From daily banking needs to investment services, our members aren’t treated like an account number, but as part of the family.

Working at Gulf Winds is not just a job, it’s a career. We’re hiring collaborative, motivated people who want to love what they do. We are forward-thinking and family oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team-focused environments
• Short and long-term professional development
• Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast!

Supports the Vice President of Finance in delivering financial analysis, modeling, and reporting to drive strategic decision‑making across the credit union. This role is responsible for maintaining and enhancing the Axiom financial management system, financial models, supporting Asset‑Liability Management (ALM), liquidity analysis, budgeting, forecasting, and profitability. Through careful analysis, this position provides recommendations to management for achieving strategic objectives. Works cross‑functionally with multiple departments within the organization to support accurate, timely, and actionable financial insights.

25% Financial Modeling and Analysis – Support and maintain the Axiom Financial Information System in order to provide timely modeling and analysis supporting budgeting, forecasting, profitability, and strategic objectives. Analyze financial performance relative to budget, forecast, and prior periods in order to identify key drivers and variances. Support development of scenario analysis for balance sheet strategy, pricing decisions, and growth initiatives.

Assist in evaluating product profitability, funding costs, and margin impacts.

20% Budgeting and Forecasting – Assist in development and maintenance of the annual budget and periodic forecasts within the Axiom Financial Management System. Support variance analysis and forecasting updates based upon business performance and changing assumptions. Maintain supporting schedules and documentation for budget and forecast assumptions.

20% ALM, Interest Rate Risk, and Liquidity Risk Support – Support maintenance of ALM and Liquidity Risk Models, including data inputs, assumptions, and scenario outputs. Assist in preparing ALCO reporting. Validate model outputs and ensure consistency with underlying financial data. Monitor key interest rate and liquidity risk metrics and support documentation of assumptions. Monitor daily cash balances and concentration limits.

10% Financial Systems Data Integrity – Support the VP of Finance in maintaining the Financial Management System, ensuring data accuracy and consistency across models and reports. Perform data reconciliations between source systems and financial models. Assist in improving model efficiency, automation, and reporting processes. Partner with Business Intelligence to ensure alignment between financial data and enterprise reporting.

10% Investment Portfolio Support – Support the VP of Finance in investment portfolio maintenance and transaction decisions. Validate safekeeping and collateral positions. Assist with purchase and sale documentation and settlement validation.

10% Reporting and Ad Hoc Analysis – Prepares monthly, quarterly, and annual reports and provides analysis of the information presented. Reports can include liquidity, investment, delinquency, productions, financials, consolidation, and regulatory reports.

5% Performs other job related duties as assigned.