Financial Analyst

Midwest BankCentre; St. Louis, Northern (MO, KY); Hybrid; USD 70,000 - 105,000; Full time

Job summary

Midwest BankCentre in St. Louis is seeking a highly analytical Financial Analyst to deliver reporting, analysis, and project support across the Finance function.

The role will expand Finance leadership by producing accurate reports, maintaining financial models, and translating results into actionable insights. You will support FP&A activities, profitability analysis, budgeting, forecasting, and Board reporting.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field required.
• 2+ years of experience in financial analysis, banking, or related field preferred.
• Advanced Excel skills, including modeling, data analysis, lookups and PivotTables.
• Experience with FP&A platforms and BI/data visualization tools preferred.

Responsibilities

• Prepare accurate, recurring financial and management reports for leadership.
• Own data gathering, validation, reconciliation, and report preparation.
• Analyze monthly results, explain variances to budget/forecast, identify trends.
• Support budgeting, forecasting, and long-range financial planning.
• Develop profitability analyses for products and business lines.
• Build dashboards, scorecards, and KPIs for performance management.
• Collaborate with Lending, Retail, Operations, Treasury and Accounting.

Skills

Financial analysis

Financial modeling

Data analysis

Excel advanced

Education

Bachelor's degree in Finance or related field

Tools

FP&A platforms

Business Intelligence tools

Data visualization tools

Job description

Midwest BankCentre is proud to be recognized as one of St. Louis’ Top Workplaces for the past 6 years!

Are you ready to lead with purpose and make a real impact on our community? Join Our Team and Make a Difference at Midwest BankCentre!

Why Midwest BankCentre? Our company culture is all about engagement and collaboration with our teams. We value diversity, inclusion, and innovation. When you join Midwest BankCentre, you're not just joining a company; you're joining a community of like‑minded individuals who are dedicated to making a positive impact.

We are committed to making meaningful, long-term investments in communities that lift everyone up so we can all RISE TOGETHER. Our commitment to shared prosperity, our investment in Community and Economic Development and our dedication to diversity and inclusion are reflected is the ways Midwest BankCentre lives its purpose.

Objectives of this Role

Midwest BankCentre is seeking a highly analytical and versatile Financial Analyst to deliver reporting, analysis, and project support across the Finance function. This role will expand the capacity of Finance leadership by producing accurate, timely reports, maintaining financial models, and translating financial and operational results into clear insights that support decision‑making.

The Financial Analyst will support financial planning and analysis, profitability and performance reporting, management and Board reporting, forecasting, balance sheet analysis, and strategic Finance initiatives. The role will own assigned reporting processes from data gathering and validation through report preparation, analysis, documentation, and communication of key findings.

A key priority will be supporting the implementation, adoption, and ongoing enhancement of the Bank’s FP&A platform as the central planning and management reporting solution. The analyst will also identify opportunities to improve, standardize, and automate reporting and analytical processes.

The ideal candidate combines strong analytical and technical capabilities with intellectual curiosity, attention to detail, sound business judgment, and a willingness to contribute across multiple areas. The successful candidate will be comfortable preparing recurring financial reports, investigating variances, building analytical tools, and communicating conclusions to Finance and business leaders.

Essential Functions

• Prepare accurate and timely recurring financial, management, board, committee, and performance reports.
• Own assigned reporting processes, including data gathering, validation, reconciliation, report preparation, analysis, documentation, and communication of key findings.
• Analyze monthly financial and operational results, explain variances to budget and forecast, and identify trends, risks, and opportunities.
• Prepare annual budgets, periodic forecasts, and long‑range financial projections.
• Develop profitability analyses for products, business lines, branches, and customer segments.
• Build and maintain financial models, dashboards, scorecards, and key performance indicators for strategic planning and performance management.
• Analyze key banking metrics, including net interest margin, return on average assets, return on average equity, efficiency ratio, loan and deposit growth, liquidity, credit quality, and capital performance.
• Serve as a power user of the Bank’s FP&A platform, supporting implementation, testing, data validation, user training, report development, adoption, and ongoing enhancement.
• Improve and automate recurring reports and analytical processes through standardization, AI‑enabled tools, advanced analytics, and other appropriate technologies.
• Validate financial and operational data and reconcile significant reporting outputs to appropriate source systems and financial records.
• Prepare concise financial commentary, investor and capital raise materials, strategic planning presentations, and other executive‑level communications that translate results into business insights.
• Support analysis of capital adequacy, liquidity, balance sheet composition, profitability, and interest‑rate risk to assist Executive Management in strategic decision‑making and capital planning.
• Prepare materials for ALCO, Board, Executive Management, and capital planning discussions.
• Support consolidated financial statements, regulatory reporting, audits, examinations, and internal control activities.
• Perform recurring and ad hoc analyses in response to business needs and organizational priorities.
• Collaborate with partners Lending, Retail, Operations, Treasury, Accounting, and Executive Management to understand business drivers and reporting needs.
• Perform other responsibilities and special projects as directed by the Director of Financial Planning & Analysis.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities are as required and may change at any time with or without notice.

Competencies

• Customer Centric Focus
• Diversity and Inclusion
• Act with Integrity
• Collaboration and Teamwork
• Results Oriented/Execution
• Business Acumen
• Analytical Thinking
• Communication Skills

Skills and Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field required.
• Two or more years of experience in financial analysis, accounting, banking, treasury, or a related field preferred; equivalent relevant experience will be considered.
• Experience within a bank, credit union, or other financial services organization strongly preferred.
• Advanced Microsoft Excel skills, including financial modeling, data analysis, lookup and aggregation functions, pivot tables, and repeatable reporting tools.
• Working knowledge of financial statements, budgeting, forecasting, profitability analysis, and key banking performance measures.
• Experience with FP&A platforms, business intelligence or management reporting solutions, data visualization tools, or data transformation tools preferred.
• Strong analytical, organizational, problem‑solving, and process‑improvement skills.
• Excellent verbal and written communication skills, including the ability to explain financial results to financial and nonfinancial audiences.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Ready to Make Your Mark?

If you're passionate about banking with a purpose and ready to take the next step in your career, we want to hear from you! This is an excellent opportunity for individuals with commercial credit experience who are eager to contribute to our community‑focused mission.

Why Join Us:

• Community Focus: Be part of a community bank that values and actively supports the St. Louis area.
• Competitive Compensation: We offer a comprehensive salary and benefits package.
• Professional Growth: Opportunities for continuous learning and development.
• Impactful Work: Play a key role in shaping the credit strategy and success of our organization.
• Collaborative Culture: Work in a supportive and dynamic environment that values teamwork and innovation.

Don’t meet every single requirement?

If you’re excited about this role but your experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be the right candidate for this or other Midwest BankCentre roles!

Equal Opportunity Employer

Midwest BankCentre is an equal opportunity employer as to all protected groups, including protected veterans and individuals with disabilities.

We thank all applicants in advance for their interest in this position and Midwest BankCentre. Only applicants selected for an interview will be contacted.