Senior Financial Analyst

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process. Regular Full-Time Concord, CA, US Salary Range: $102,700.00 To $134,820.00 Annually Working for Pacific Service Credit Union We put people first. That includes our members, our employees and the communities we serve. We hire energetic and enthusiastic people who want to work as part of our team. What’s in it for you? Health insurance coverage: We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents. 1k: We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service. Bonus program: All employees are rewarded for attaining our annual organizational goals. Tuition Reimbursement program for employees eligible after six months of service. Recognition program where employees can be nominated by management, their peers or by members. Employee referral bonus. Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service. Employees are eligible to receive a consumer loan rate discount Vacation and sick time: Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave. Our Hiring Process We believe it’s important for you to know where you stand in our hiring process. Below is an outline of the steps we take to make the best hires possible. Apply: Submit your resume for one of our job openings. Our Talent Team and our partner – Total Quality Consulting (TQC Team) will review your submitted information and will call or email successful applicants for an interview as soon as possible. In-Person Interview: After a screening call with TQC, we’ll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s). If we believe that you have what it takes, we'll make an offer and provide next steps in the hiring process! About this Role At Pacific Service Credit Union, we are committed to strategic growth through trust, innovation, and operational excellence. By empowering our internal teams with the tools and support they need to succeed, we strengthen organizational efficiency, ensure compliance, and advance our mission of enhancing member financial well-being. The Senior Financial Analyst is responsible for preparing and delivering financial reporting, performing variance analyses, and producing complex financial models to support business planning and decision-making. This role leads and supports forecasting and budgeting processes, researches financial trends and performance drivers, develops and maintains analytical tools, and translates complex financial information into actionable insights to inform organizational priorities. The Senior Financial Analyst exercises independent judgment and discretion in evaluating financial data, identifying trends and key performance drivers, and assessing the financial impact of business initiatives. Working closely with leadership, this role provides expert financial analysis and recommends data-driven insights to support organizational performance. This role requires an organized and dependable individual with strong communication skills and the ability to complete tasks accurately and on time. The position supports the team and organization by assisting with day-to-day activities, completing assigned projects, and contributing to efforts that advance organizational goals and uphold core values, while enhancing member/service outcomes. Essential Job Functions Prepare monthly financial reports and exercise independent judgment to analyze financial results, identify trends, and communicate meaningful insights. Automate and optimize the processes involved in the preparation of financial reports. Lead key components of the forecast process by collaborating with departments to analyze business drivers and keep operating expense, production, and revenue forecasts up to date. Develop analytical frameworks to identify and evaluate key drivers of performance. Develop, maintain, and enhance complex and dynamic financial models for the forecasting and planning processes. Analyze loan and deposit portfolio performance, margin trends, and non-interest income/expense drivers. Prepare financial analysis on enterprise projects and initiatives utilizing fundamental finance concepts, like Net Present Value (NPV) analysis, to evaluate organizational opportunities and support recommendations. Analyze and interpret variances in actual performance compared to budget and forecasts. Assist in development of product profitability and pricing models. Collaborate with cross-functional teams to gather financial information and make recommendations to improve business performance. Demonstrate strong critical thinking, analytical, and problem-solving skills. Contribute to company innovation and continuous improvement. Foster a culture of evolution by adapting to changes, optimizing processes, and contributing to the growth and success of the organization. Demonstrate accountability in your work by taking ownership of responsibilities, setting clear goals, meeting deadlines, and delivering high-quality results. Act with integrity, follow through on commitments, and uphold professional standards. Support and uphold company culture by aligning your work with the credit union’s mission and values, contributing to a positive, high-performing environment. Demonstrate dependable performance including attendance and punctuality, recognizing that it is essential to organizational excellence and operational success. Comply with all anti-money laundering laws, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act, as well as all related policies and procedures. Supporting Functions Provide back-up and support to management, as directed. Performs special projects and other responsibilities, as directed. The following competencies are essential for success in this role: Job knowledge: Demonstrates solid job expertise; learns and applies new skills effectively; works with minimal supervision; understands how work impacts others; uses resources efficiently. Effective communication: Communicates clearly and concisely; tailors messages to audience needs; engages listeners; keeps stakeholders informed. Problem solving: Identifies issues early; gathers and analyzes information effectively; develops alternatives; resolves problems promptly; contributes productively to group solutions. Quality of work: Delivers accurate, thorough work; proactively reviews processes; prevents recurring issues; ensures deliverables meet all standards, expectations, and deadlines. Member focus: Shows courtesy and professionalism; manages difficult situations constructively; meets commitments; responds promptly; seeks feedback to improve service. Collaboration: Builds strong working relationships; demonstrates tact and professionalism; supports others; works cooperatively; helps resolve conflicts productively. Execution: Translates strategy into action; pursues goals with focus and urgency; commits the necessary effort; implements plans efficiently and delivers results within required timeframes. Required Minimum Qualifications Education: Bachelor’s degree in Finance, Economics, or related field, required. Experience: Minimum five (5) years of experience in FP&A or finance division, preferably within the financial services industry. Advanced proficiency in Excel and other Microsoft Office applications. Excellent oral and written communication skills, required. Must be proficient in computer programs (e.g., Microsoft Office Suite). Preferred Qualifications Extensive experience creating complex models, manipulating large data sets, and creating advanced formulas, in Excel. Experience in a credit union or community banking environment. Experience in ProfitStar or Financial Performance Suite. Experience automating Excel workbooks and data flows using Power Query. Proficient in SQL. Physical Requirements Hearing: Ability to hear and comprehend spoken communication in person and over the phone. Vision: Ability to view computer screens and read documentation with clarity and accuracy. Verbal Communication: Ability to speak clearly and effectively to interact with colleagues and/or members. Frequent use of telephone headset may be required. Manual Dexterity: Proficient use of hands and fingers for typing, operating office equipment, and handling documents. Posture and Endurance: Ability to sit or stand at a workstation for extended periods; adjustable sit/stand desk options may be available to support comfort. Mobility: Ability to move within the office environment to attend meetings or assist colleagues, as needed. Lifting and Carrying: Occasionally required to lift and carry materials weighing up to 30 lbs. Other Information Hours Required: A work schedule of Monday through Friday, generally 8 a.m. to 5 p.m., with some alternate work schedules. This position is eligible for the credit union's telecommute policy. Travel Requirements: Less than 5% local travel, required. Limited travel during the work schedule, primarily for training, meetings, or special projects. Work Environment: This position is based in a climate-controlled office environment with ergonomic workstations in a two-story building with an elevator. Subject to standard background noise found in an office environment. Natural light from large windows, supplemented by artificial lighting to ensure a comfortable working atmosphere. Disclaimer This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice. #J-18808-Ljbffr