Senior Financial Analyst Community Banking

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The Position

Job Title

Senior Financial Analyst - Community Banking

Job Description

Position Overview

The Senior Financial Analyst Community Banking is a member of the banks FP&A team providing financial planning and analysis support to the banks core business units: Lending Retail Banking & Deposits and Treasury Management. This role is central to the monthly financial close forecasting and business performance processes that keep leadership informed and the institution on plan.
A defining characteristic of this role is its operational versatility. The analyst is expected to function simultaneously as a capable strategic thinker able to surface insights flag risks and communicate performance narratives to senior leaders and as a productive individual contributor who executes high-volume analytical and reporting work increasingly with the support of AI tooling. The ideal candidate moves comfortably between directing analysis and doing it without requiring close supervision at either level.

Business Unit Coverage

Lending
Support financial performance analysis across commercial consumer and mortgage lending portfolios.
Loan origination volume and pipeline forecasting
Net interest income (NII) and margin analysis
Credit loss provisioning and reserve tracking
Charge-off and delinquency trend analysis
Yield and spread performance vs. budget

Retail Banking & Deposits
Partner with retail leadership on deposit performance customer economics and branch profitability.
Deposit balance forecasting by product type
Cost of funds and rate sensitivity monitoring
Retail fee income analysis
Customer acquisition cost and relationship profitability
Branch-level P&L reporting support

Treasury Management
A customer-facing fee-generating line of business not the corporate treasury function. Treasury Management delivers the products and services that help commercial and small-business clients run their day-to-day finances: managing accounts moving and collecting payments and optimizing working capital. This role provides the financial analysis that helps leadership grow and manage the profitability of that business.
Analytical focus areas
Fee income analysis and forecasting across treasury management products
Product adoption penetration and usage trends (ACH wires lockbox positive pay merchant services)
Customer and segment profitability with emphasis on small-business relationships
Pricing performance and account analysis economics
Client growth attrition and retention metrics
Revenue contribution vs. budget and prior year

Key Responsibilities

Monthly Reporting & Financial Close
Prepare monthly divisional financial packages for the Banking Division including P&L variance analysis and executive commentary
Own the month-end close reporting calendar across all three business units coordinating with accounting and business line partners
Build and maintain management reporting templates dashboards and recurring deliverables
Translate financial results into concise narratives that explain drivers risks and trends to non-financial stakeholders
Identify and resolve data discrepancies between source systems and financial statements

Forecasting & Budgeting
Lead the FP&A contribution to annual budgeting and multi-year planning cycles for all three business units
Maintain rolling forecast models that incorporate rate environment shifts volume trends and strategic initiatives
Update balance sheet and income statement projections monthly based on actuals pipeline data and management assumptions
Support scenario and sensitivity modeling for strategic decisions such as rate changes product launches or M&A activity
Prepare forecast packages and presentations for the CFO executive leadership and Board-level reporting

Business Partnering & Insight Generation
Act as the primary FP&A point of contact for business unit leaders providing proactive financial analysis not just reactive reporting
Develop insights from financial data that support operational decision-making identifying growth levers cost pressures or performance anomalies
Present findings clearly in both written and verbal formats tailored to the audience
Participate in business reviews strategic planning sessions and cross-functional projects as the finance voice for the Banking Division

AI-Assisted Analysis & Workflow Efficiency
Leverage AI tools (including large language models automation platforms and intelligent analytics) to accelerate reporting modeling and insight production
Design and refine AI-assisted workflows to improve the throughput and consistency of recurring FP&A deliverables
Maintain strong judgment about when AI output requires human review validation or escalation functioning as an editor and quality controller of AI-generated work
Champion productivity improvements within the FP&A team through process automation and tool adoption

Data Integrity & Systems
Maintain and improve financial models ensuring version control documentation and auditability
Work with data and technology teams to improve data quality source reliability and system integration
Support ongoing improvements to the FP&A technology stack (e.g. Workday Adaptive Anaplan Essbase or similar EPM platforms)

Key Partners

This role works closely with leaders across finance and the banking organization. The table below outlines the primary partners and their general areas of responsibility.

Partner - Bank CFO

Role & Focus - Senior finance leader for the bank; primary internal client for divisional reporting forecasting and performance insights. A key recipient of this roles analysis and packages.
Partner - Chief Banking Officer

Role & Focus - Executive accountable for the overall banking business; relies on accurate well-framed financial analysis to steer strategy across the lending deposit and treasury management lines.
Partner - Community Bank Leadership (Markets & Regionals)

Role & Focus - Market presidents and regional leaders who manage local banking performance. Primary audience for the Presidents Books and scorecards used to monitor results and make decisions.
Partner - Enterprise CFO

Role & Focus - Top finance executive for the broader organization; consumes divisional results as part of consolidated enterprise reporting and planning.
Partner - FP&A Group

Role & Focus - The analysts home team. Collaborates on close forecasting budgeting model standards and shared reporting infrastructure; source of peer review and escalation.
Partner - Line of Business Leads & Senior Leaders

Role & Focus - Heads and senior leaders of Lending Retail Banking & Deposits and Treasury Management; day-to-day business partners who rely on this role for performance analysis and planning support.

Key Artifacts & Deliverables

This role is responsible for producing a defined set of recurring reports and materials that leadership depends on to monitor performance and make decisions.

Artifact - Presidents Books

Description - A holistic consolidated package that gives community bank leadership the full picture of the reports metrics and information they need to stay informed and make decisions. Combines financial results business unit performance and key narratives into a single executive resource.
Artifact - Balanced Scorecards

Description - Performance scorecards for the banks business units that track results against goals across financial and operational dimensions. Used to monitor progress highlight variances and drive accountability.
Artifact - Monthly Reporting Package

Description - The divisional month-end financial package P&L variance analysis and executive commentary across Lending Retail Banking & Deposits and Treasury Management.
Artifact - Forecast & Budget Packages

Description - Rolling forecast updates and annual budget materials for the Banking Division including assumptions scenario views and presentation-ready summaries for the CFO and leadership.
Artifact - Business Unit Performance Reviews

Description - Recurring deep-dive analyses for individual business units surfacing drivers trends and opportunities to support line-of-business decision-making.

Role Profile: Dual-Mode Operating Model

This role is designed to operate effectively at two distinct levels often within the same week or the same day. The table below describes both modes and the expectations at each.
Mode - Strategic Layer

What it Looks Like - Presenting to the CFO on deposit margin compression. Advising the Lending head on how rate assumptions shift the 2026 NII forecast. Flagging a liquidity trend before it becomes a Board-level concern.

Key Behaviors Expected

Generates insights proactively not just reactively
Communicates with confidence to senior audiences
Connects financial data to business decisions
Operates with minimal direction

Mode - Execution Layer

What It Looks Like - Building the monthly reporting package from scratch. Updating forecast models after an interest rate decision. Producing and quality-checking AI-assisted output before it reaches a stakeholder.

Key Behavior Expected

High personal output builds materials not just reviews them
Proficient with AI tools to multiply work product
Detail-oriented; catches errors before they escalate
Comfortable with volume and deadline pressure

Competency Framework

Each competency is rated on a 15 scale: 1 not needed 2 basic awareness 3 working proficiency 4 advanced 5 mastery.

Competency Rating (15)
Financial Modeling & Forecasting 5
Self-Direction & Ownership 4
Business Communication & Storytelling 3
Data Analysis & Visualization 4
AI Tool Proficiency 3
Problem Solving & Insight Generation 4
Banking Product Knowledge 2
Stakeholder & Partner Management 3
Technical Systems (EPM /BI) 2

Qualifications Required
Bachelors degree in Finance Accounting Economics or related field
6 years of FP&A experience preferably in financial services or banking
Direct experience supporting multiple business units or product lines
Strong financial modeling skills in Excel; familiarity with EPM tools
Demonstrated ability to prepare and present executive-level financial packages
Working knowledge of banking fundamentals: NII net interest margin deposit pricing loan loss provisioning
Comfortable working in a fast-paced environment with hard monthly deadlines Preferred
Experience in a regional bank community bank or financial holding company
Exposure to all three coverage areas: lending retail/deposits and treasury
CFA CPA or FP&A certification (AFP)
Experience with AI-assisted financial workflows or prompt engineering for analytical tasks
Familiarity with regulatory reporting environments (call reports FDIC OCC)
Graduate degree in Finance MBA or related discipline
Experience analyzing fee-based or transaction-driven product lines (e.g. treasury management payments cash management)

Technology & Tools
Microsoft 365 (Excel PowerPoint Teams)
EPM platform (Accounting systems Financial Management systems)
Core banking and data warehouse systems
AI productivity tools (LLM platforms automation software)
BI tools (Power BI Tableau or similar) Working Style Fit
Thrives in ambiguity; comfortable structuring problems without a predefined playbook
Equally motivated by strategic synthesis and detailed execution
Strong ownership mentality takes responsibility for the accuracy and quality of all output
Collaborative across finance operations and technology teams
Continuously learning; interested in applying new tools and methods to finance work

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:

Durant-Corporate Plano-Parkwood

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First United is an Equal Opportunity Employer. To the extent required by Federal or State law First United does not discriminate in employment opportunities or practices on the basis of race color religion sex national origin or any other characteristic protected by law.

Required Experience:

Senior IC