Financial Analyst

Description

The Financial Analyst supports the preparation, analysis, and governance of key financial and risk-related reporting, including Asset & Liability Committee metrics, Allowance for Credit Losses reporting, and capital planning materials. This role assists with recurring management and committee reporting, variance analysis, reconciliations, and documentation to support internal controls, audit, and regulatory requirements. The Financial Analyst collaborates with Lending, Credit, Accounting, and External Reporting teams to ensure data accuracy and consistency, and applies strong financial analysis, modeling, and industry knowledge to support balance sheet management and capital oversight.

Below is a list of essential job functions. Additional responsibilities may be assigned in the position.

• Support preparation and analysis of Asset & Liability Committee (ALCO) reporting, including quarterly interest rate and liquidity risk reporting.
• Assist in Allowance for Credit Loss (ACL) reporting and analysis, including allowance roll forwards, portfolio trend analysis, qualitative support schedules, and reconciliation to the general ledger.
• Contribute to capital planning and stress testing processes by supporting earnings forecasts, risk-weighted asset calculations, regulatory capital ratio analysis, and related documentation.
• Perform detailed financial analysis, reconciliations, and variance explanations to support internal controls, audit requirements, and regulatory examinations.
• Collaborate with Lending, Credit, Accounting, and External Reporting teams to ensure data accuracy, assumption integrity, and timely delivery of financial reporting and analytics.

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect - Display a positive attitude in managing change while working under tight deadlines.
• Client Focus - Ability to work independently while multi-tasking.
• Inclusion - Communicate with questions when necessary.

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership - Proactively supports ALCO, ACL, capital planning, and related finance initiatives by assisting teammates across the Finance department and taking ownership of assigned analyses and reporting deliverables.
• Integrity - Maintains a strong focus on the accuracy, completeness, and consistency of financial analyses, reconciliations, and reporting used for management, committee, and regulatory purposes.
• Collaboration - Works collaboratively with Lending, Credit, Accounting, External Reporting, and other Finance partners to ensure timely, accurate, and well-controlled financial and risk reporting in support of common objectives.
• Volunteerism - Remain active in the local communities that we serve.

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability - Applies a solid understanding of accounting and financial concepts to accurately prepare, analyze, and reconcile general ledger activity and management reporting related to ALCO, ACL, and capital planning processes.
• Innovation - Continuously evaluates reporting processes, models, and workflows to identify opportunities to improve efficiency, automation, and effective use of financial systems and analytical tools.
• Professionalism - Adheres to established accounting policies, internal controls, and reporting procedures, and consistently demonstrates reliability and attention to detail in all financial analyses and deliverables.

• Staff Financial Analyst I - Understands fundamental accounting and financial concepts and applies them to routine analyses, reconciliations, and management reporting under established guidelines.
• Staff Financial Analyst II - Demonstrates advanced understanding…