Senior Deposit Pricing & Product Analyst

Senior Deposit Pricing & Product Analyst

First United is not your typical bank. We are driven by a higher purpose and guided by a core set of values that inspire us to serve all our stakeholders employees, customers, shareholders, communities, and partners. Our purpose is to inspire and empower others to Spend Life Wisely. Spending Life Wisely means taking small steps toward a life of Love and Impact. We do this by engaging in a holistic approach to life that encompasses four pillars: faith, financial well-being, health and wellness, and personal growth. We are committed to supporting our local communities and impacting the lives of all our stakeholders. We meet people where they are and empower them with resources that educate and inspire them along their unique path to success. Through Love and Impact, we will elevate 10 million lives by 2030. One customer. One family. One community at a time.

First United provides a comprehensive range of financial services including retail, commercial, trust, brokerage, mortgage and insurance products. First United is the premier provider of financial products and services in every market we serve. We deliver services through an expansive network of community bank locations throughout Oklahoma and Texas.

The Senior Deposit Pricing & Product Analyst will reside within the Product Management organization and serve as the enterprise owner for deposit pricing strategy, pricing governance, and product performance analytics. This experienced individual contributor will provide thought leadership that connects market conditions, balance sheet needs, customer behavior, and product performance into clear recommendations that support disciplined growth, sound pricing decisions, and strong customer relationships. The role will work cross-functionally with business, finance, treasury, analytics, risk, and operational partners to ensure pricing actions and product insights are strategically aligned, financially grounded, and executable across the organization.

Major Duties and Responsibilities (Essential Functions)

• Own the deposit pricing function, including pricing frameworks, rate guidelines, competitive positioning, exception practices, and governance routines.
• Develop pricing recommendations that balance growth, retention, cost of funds, liquidity needs, margin objectives, customer behavior, and market conditions.
• Lead recurring pricing reviews and prepare executive-ready recommendations that clearly communicate options, financial impact, tradeoffs, risks, and recommended actions.
• Serve as a strategic thought partner to business, finance, treasury, product, analytics, risk, and operational leaders on deposit growth, funding mix, product performance, and profitability.
• Lead horizontal product analytics across the bank to identify insights that deepen customer relationships, support product bundling, strengthen banking primacy, develop customer lifetime value measurement, and guide experience design that helps customers see the full value of First United Bank.
• Define analytical frameworks, reporting requirements, and success measures that help leaders make informed strategic and tactical decisions.
• Partner with data and business teams to improve source-of-record reporting, data definitions, recurring routines, and confidence in product and pricing insights.
• Monitor market, regulatory, balance sheet, customer, and competitive trends to identify risks and opportunities that may influence pricing or product strategy.
• Establish feedback loops to measure pricing execution, customer response, business outcomes, and portfolio performance over time.
• Identify opportunities to improve pricing processes, approval workflows, exception monitoring, documentation, controls, and communication routines.
• Communicate complex pricing and analytics concepts in a clear, practical, and persuasive manner to diverse audiences across the organization.
• Lead or contribute to strategic initiatives, product reviews, pricing launches, and portfolio optimization efforts as assigned.
• Lead and participate in cross-functional meetings, executive forums, product reviews, and pricing routines to provide deposit pricing expertise, analytical insight, and strategic recommendations.

Additional Duties and Responsibilities:

• Adherence to all First United Policies and Procedures.
• Complete all required compliance exams on an annual basis.
• Perform other duties as assigned.

Employee Specifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Required Education and Work Experience:

• BA/BS degree in Finance, Economics, Accounting, Statistics, Business Analytics, MIS, Data Analytics, or a related field required; advanced degree or relevant professional certification preferred.
• 5+ years of experience in banking, financial services, deposit pricing, treasury, finance, product management, product analytics, balance sheet management, or related analytical roles.
• Direct or closely related experience with deposit pricing, product profitability, funding strategy, ALM-adjacent analysis, pricing governance, or financial performance analytics strongly preferred.
• Demonstrated experience translating complex data into actionable recommendations for senior leaders, including clear articulation of assumptions, risks, tradeoffs, and expected business impact.
• Knowledge of financial institution products, policies, regulatory expectations, risk considerations, and operational practices related to deposit products and pricing decisions.

Knowledge and Skills Requirements:

• Deep understanding of deposit products, pricing levers, balance behavior, customer segmentation, rate sensitivity, competitive positioning, cost of funds, margin dynamics, and liquidity considerations.
• Strong analytical judgment with the ability to synthesize internal data, market intelligence, financial assumptions, and stakeholder input into practical recommendations.
• Advanced proficiency with Excel and PowerPoint; experience with Power BI, Power Query, SQL, data visualization tools, or similar analytics platforms preferred.
• Ability to define reporting requirements, improve data quality, establish recurring routines, and build confidence in source-of-record analytics and executive reporting.
• Exceptional written, verbal, and presentation skills with the ability to communicate clearly with executives, managers, bankers, analysts, and subject matter experts.
• Demonstrated ability to influence without direct authority, build trusted partnerships, and lead cross-functional work through ambiguity.
• Sound business judgment, intellectual curiosity, attention to detail, and a disciplined approach to documentation, controls, timelines, and follow-through.
• Strong initiative and ownership mindset with the ability to operate as a senior individual contributor, identify emerging needs, and proactively develop solutions.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

All Locations: Plano-Parkwood