Financial Analyst

Heartwood Financial Group; Canada; Hybrid; CAD 70,000 - 90,000; Full time

Job summary

A fast-growing Canadian lender is seeking a motivated Financial Analyst, FP&A. The role involves supporting financial reporting, preparing management packages, and maintaining dashboards. Candidates should have a bachelor's degree in finance or accounting, advanced Excel skills, and 3+ years of relevant experience. Located in the GTA, the role requires on-site attendance two days per week. Join a dynamic, execution-focused team to help strengthen the company's financial foundation and processes.

Qualifications

• Bachelor’s degree is required.
• 3+ years of experience in FP&A or related finance roles.
• Big 4 audit experience is an asset.

Responsibilities

• Support FP&A and management reporting cycle end-to-end.
• Prepare budget-to-actual variance support.
• Maintain recurring dashboards and KPI trackers.

Skills

Advanced Excel skills

Analytical skills

Attention to detail

Proactive mindset

Collaborative mindset

Education

Bachelor’s degree in Accounting, Finance, Business, or related field

Tools

Microsoft Business Central

Loan Management System (LMS)

Data Warehouse

Job description

Company Overview

We are a fast-growing Canadian lender operating in the non-B20 mortgage space. As a dynamic and entrepreneurial business, we focus on delivering lending solutions outside traditional banking guidelines. Our team operates in a fast‑paced, execution‑focused environment where accuracy, accountability, and follow‑through matters.

We are seeking a motivated Financial Analyst, FP&A who is excited to take ownership, work collaboratively, and help strengthen the company’s financial reporting and planning foundation as we scale.

About the Role

As a Financial Analyst, FP&A, you will support the monthly FP&A and management reporting cycle end‑to‑end. This role is hands‑on and execution‑oriented: you will pull and compile data from key systems (LMS, DataWarehouse, and Microsoft Business Central), complete routine reconciliations and tie‑outs back to the GL, maintain monthly roll forwards, and prepare budget‑to‑actual variance support with clear driver commentary.

You will also help maintain recurring dashboards and KPI trackers, support budget/forecast maintenance in Microsoft Business Central, and assist with lender reporting schedules by assembling inputs, performing reasonable checks, and ensuring outputs are consistent and supportable. As reporting evolves, you will contribute to improving templates, documentation, and basic automation.

Key Responsibilities

• Support preparation and refresh of the monthly FP&A / management reporting package (templates, schedules, and supporting working papers) for internal leadership.
• Pull source data from the Loan Management System (LMS), Data Warehouse, and Microsoft Business Central (GL), and compile it into standardized monthly reporting templates.
• Perform routine reconciliations and tie‑outs between operational reports (LMS/Data Warehouse) and the GL; investigate variances and document explanations.
• Maintain monthly roll forwards for key balances and metrics (e.g., portfolio balances, interest income, servicing revenue, funding costs), ensuring continuity.
• Assist with budget‑to‑actual variance preparation, including drafting brief driver notes and identifying items for follow‑up with stakeholders.
• Load budgets/forecasts into Microsoft Business Central and help maintain a consistent variance tracking process (budget vs actual).
• Maintain and update recurring dashboards/KPI trackers used internally, ensuring data is current and definitions remain consistent.
• Develop and maintain short‑term cash flow forecasts and longer‑term projections to support planning and funding visibility.
• Support preparation of lender reporting by assembling required schedules, validating inputs, and applying basic reasonableness checks (e.g., borrowing base components, concentration summaries, covenant support schedules).
• Assist with updating financial models to support budgeting, forecasting, and ad‑hoc scenario analysis.
• Perform variance analysis against forecasts and budgets and summarize key drivers for management review.
• Monitor interest expense, interest receivable, and hedging‑related inputs (as applicable) to support reporting accuracy and basic risk monitoring.
• Assist with testing and cleanup when reporting changes are made (new fields, updated calculations, new reports).
• Maintain standardized templates, version control, and light process documentation so monthly processes are repeatable and review ready.
• Provide ad hoc data pulls and supporting schedules as requested by Finance leadership, with clear source references and assumptions noted.

Requirements

• Bachelor’s degree in Accounting, Finance, Business, or a related field.
• Big 4 (or similar) audit experience is an asset, particularly for candidates looking to transition into an FP&A reporting role.
• Advanced Excel skills are critical to the role, including structured financial models, roll forwards, pivot tables, and analysis of large datasets.
• 3+ years of experience in FP&A, management reporting, financial analysis, audit, banking, or mortgage‑related finance roles.
• Experience working across multiple data sources/systems (ERP/GL + operational systems); Microsoft Business Central experience is an asset.
• Strong analytical skills with the ability to communicate drivers and issues clearly and concisely.
• Detail‑oriented, organized, and able to manage multiple priorities in a fast‑paced environment.
• Proactive, collaborative mindset with willingness to take ownership and improve processes.
• Located in the GTA and willing to be on‑site for 2 days per week.