Sr. Financial Reporting Accountant

Position Summary and Role Impact The Senior Accountant – Flow Lending is responsible for supporting accounting and financial reporting for the Flow Lending portfolio, including consumer installment loans originated through strategic partner relationships or purchased from lending partners. This role owns key components of the close process, including preparation and review of reconciliations, journal entries, and supporting schedules, while ensuring accuracy, completeness, and consistency of financial data. The Senior Accountant partners closely with the AVP, Accounting Services and cross-functional teams across operations, servicing, and finance to resolve complex issues, analyze portfolio performance, and strengthen accounting processes. This role requires strong analytical capabilities, sound accounting judgment, and the ability to operate with a high degree of independence while contributing to continuous improvement in reconciliation, reporting, and close processes. Essential Functions Prepares and reviews complex account reconciliations supporting the Flow Lending subledger-to-general ledger process Prepares and reviews journal entries and supporting schedules Performs detailed variance analysis and identifies drivers of fluctuations Partners with operations and finance teams to resolve complex discrepancies Supports preparation and enhancement of business line reporting Applies accounting policies to routine and moderately complex transactions Prepares and reviews audit support documentation Identifies and implements process improvements Uses Excel and reporting tools for portfolio analysis Provides guidance to junior team members Requirements for Success Education & Experience Required: Associate degree in Accounting, Business, or a related field with 2+ years of progressive accounting experience 5+ years of progressive accounting or financial analysis experience in lieu of a degree Strong understanding of accounting principles and financial reporting fundamentals, with the ability to apply them to moderately complex transactions and scenarios Experience with account reconciliations, journal entries, and accrual-based accounting Demonstrated ability to analyze and resolve complex accounting issues, including identifying root causes and recommending solutions Ability to work independently and exercise sound judgment in a deadline-driven environment Proficiency in Microsoft Excel, including pivot tables, lookup functions, and data analysis techniques Strong analytical and problem-solving skills Effective communication and collaboration skills Preferred Experience with loan accounting, installment lending, or consumer finance portfolios Experience in subledger-driven or high-volume accounting environments Familiarity with interest income recognition, amortization, deferred fees, and loan lifecycle concepts Experience supporting close processes in a business line or divisional accounting structure Experience improving reconciliation processes, close timelines, or reporting accuracy Experience with ERP systems and financial reporting tools Background in financial services, fintech, banking, or lending organizations Experience reviewing work or providing guidance to junior team members Knowledge, Skills and Capabilities Strong attention to detail with a focus on data accuracy, completeness, and accountability for results Strong execution discipline with the ability to independently manage close and reconciliation responsibilities Ability to perform financial analysis, interpret results, and communicate key drivers of variances Ability to collaborate effectively across accounting, operations, and finance teams and influence outcomes Continuous learning mindset with a proactive approach to developing expertise and improving processes Strong organizational and problem-solving skills with ability to handle moderately complex issues Demonstrates sound professional judgment and ability to balance accuracy, timeliness, and business priorities Why join us We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people. At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact. Employee Value Proposition Competitive Pay, including a Bonus Target or Variable Pay Incentive Program Benefits Package Medical, Dental, and Vision (plus much more) 401(k) Plan with Company Match Short- & Long-Term Disability Wellness Programs Group Life and AD&D Insurance Paid Vacation Sick Days and bank Holidays Employee Engagement Activities including Employee Appreciation Day DEI Employee Resource Groups Corporate Social Responsibility Service Recognition We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location. We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law. We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics. If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know. CardWorks Financial Group is the engine driving financial progress, a diversified consumer finance provider building ethical solutions across credit, lending, and the full customer lifecycle. Advancing finance with purpose, we put people—clients, customers, and colleagues—at the center of everything we do, guided by our CRITICAL values and united as one enterprise across Merrick Bank, CardWorks Servicing, and Carson Smithfield. As your everyday champion, our vertically integrated platform fuels financial progress through access to credit, high yield deposits, flexible merchant payments, and end to end servicing performance—powered by a culture of relentless curiosity, belonging, and growth. #J-18808-Ljbffr Merrick Bank