Financial Analyst

PremierOne Credit Union; San Jose (CA); On-site; USD 48,216 - 61,992; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Long-Term Disability Insurance

401(k) Match

Discounts on financial products and Ls

Job summary

PremierOne Credit Union is seeking a Financial Analyst to join the Accounting Team at our South San Jose Corporate Office. The role supports financial planning, reporting, forecasting, and strategic decision-making with data-driven insights to improve profitability and efficiency.

Responsibilities include preparing monthly reports, developing forecasting models, analyzing loan/deposit performance, monitoring ALM metrics, and driving cross-functional financial analyses.

Qualifications

• Two to four years of similar or related experience.
• Advanced knowledge in financial analytics.
• Excellent communication and interpersonal skills.
• Experience in a credit union or community banking preferred.

Responsibilities

• Prepare, analyze, and present monthly financial and management reports, providing commentary on performance, risks, opportunities, and balance sheet metrics.
• Support budgeting, forecasting, and long-range planning with business units to project drivers and financial projections.
• Develop, maintain, and enhance financial models, dashboards, and analytical tools for forecasting and decision-making.
• Analyze loan/deposit portfolio performance, investment results, margin trends, and income/expense drivers.
• Monitor ALM metrics including interest rate risk, liquidity, and NII sensitivity across scenarios.
• Perform variance analyses, identify root causes, and communicate findings to management.
• Conduct financial evaluations of initiatives using NPV, ROI, profitability, and scenario analyses.
• Support profitability, pricing, allocation, and performance measurement models.
• Maintain budgeting, planning, ALM, and financial reporting with data integrity and GL alignment.
• Monitor KPIs and financial risks; prepare analyses and presentations for executives and committees.
• Identify process improvements and regulatory compliance initiatives to support mission and values.
• Partner with cross-functional teams to gather data and provide actionable recommendations.

Skills

Financial analytics

Communication skills

Education

Bachelor's degree或认证等同

Job description

Join one of California's most innovative, fastest-growing credit unions.

We are proud to be named a Top Workplace for five consecutive years!

At PremierOne Credit Union, we strive to carry out our mission to "deliver a better financial life to members" through every interaction. We look for team players who can contribute the right skills to achieve these goals while keeping focus on our mission. Join our talented and passionate team and be part of a team that values growth, innovation, and community involvement.

We are now seeking a Financial Analyst to join our Accounting Team located in our South San Jose Corporate Office. The Financial Analyst supports the credit union's financial planning, reporting, forecasting, and strategic decision-making processes. This role analyzes financial and operational performance, develops forecasting and analytical models, and provides data-driven insights and recommendations to improve profitability, efficiency, and overall organizational performance. Working closely with leaders across the organization, the Financial Analyst helps drive informed business decisions while supporting the credit union's mission, growth, and financial objectives.

Qualifications

• Two to four years of similar or related experience
• A bachelor's degree, or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., accounting certifications in lieu of a degree).
• Advanced knowledge in financial analytics
• Excellent communication and interpersonal skills
• Experience in a credit union or community banking preferred

Essential Functions & Responsibilities

• Prepare, analyze, and present monthly financial and management reports, providing insightful commentary on financial performance, trends, risks, opportunities, and key balance sheet metrics.
• Support budgeting, forecasting, and long-range planning activities by partnering with business units to evaluate key business drivers and maintain accurate financial projections.
• Develop, maintain, and enhance financial models, dashboards, and analytical tools to support forecasting, planning, performance measurement, and strategic decision-making.
• Analyze loan and deposit portfolio performance, investment portfolio results, margin trends, noninterest income and expense drivers, and economic factors impacting credit union performance.
• Monitor and analyze asset-liability management (ALM) metrics, including interest rate risk, liquidity, net interest income sensitivity, and balance sheet performance under various scenarios.
• Perform variance analyses of actual results versus budget and forecast, identify root causes, and communicate findings and recommendations to management.
• Conduct financial evaluations of business initiatives, products, investments, and strategic projects using methodologies such as NPV, ROI, profitability, and scenario analysis.
• Support the development and maintenance of profitability, pricing, allocation, and performance measurement models to optimize financial results and member value.
• Maintain budgeting, planning, ALM, and financial reporting, ensuring data integrity, alignment with the general ledger, and compliance with accounting standards.
• Monitor key performance indicators and financial risks, and prepare analyses, reports, and presentations for executive leadership, committees, and other stakeholders.
• Identify process improvement, automation, and documentation initiatives while supporting regulatory compliance, continuous improvement, and the credit union's mission and values.
• Partner with cross-functional teams to gather financial and operational data, provide actionable recommendations, and support organizational objectives.

Fantastic Benefits

• Medical, Dental, Vision, Life, and Long-Term Disability Insurances
• 401(k) including employer match
• Discounts on financial products and services, including loans
• Paid birthday, vacation, sick
• Company-wide Incentive Plan, plus much more!

Salary Range: $35 - $45 per hour

PremierOne Credit Union is an equal opportunity employer.