Financial Analyst II

Golden 1 Credit Union; Sacramento (CA); On-site; USD 67,000 - 91,000; Full time

Job summary

Golden 1 Credit Union is seeking a Financial Analyst II to join the Finance team in Sacramento, CA. The successful candidate will model financials, forecast performance, and provide actionable insights for strategic decisions.

Responsibilities include preparing management reports, analyzing variances, and ensuring regulatory compliance. Strong data visualization skills with Power BI and advanced Excel are preferred. Exempt, salaried position with a competitive pay range.

Qualifications

• Bachelor’s degree required in accounting, mathematics, business administration or similar quantitative/analytical field.
• 1+ years of progressive finance or relevant accounting experience required.
• 1+ years of analytical experience required.

Responsibilities

• Support strategic financial initiatives to aid multi-year financial objectives and profitability.
• Prepare financial reports and management information by channel, market, and peer.
• Analyze monthly financial statements and communicate variances to support the financial plan.
• Maintain understanding of GL accounts, balance sheet, income statement, and key ratios.

Skills

Financial analysis

Data analysis

Analytical thinking

Education

Bachelor's Degree in Accounting

Tools

Power BI

Excel

Job description

Job Title: Financial Analyst II

Status: Exempt

Reports to: Director - Finance

Department: Finance

Job Code: 4310

Pay Range: $70,400.00 - $87,000.00 Annually

Who We Are

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of "people helping people." We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

Who You Are

You are a detail-oriented and analytical finance professional with strong financial reporting, modeling, and data analysis skills. You excel at translating complex financial data into meaningful insights that support strategic decision-making, business growth, and profitability. With expertise in financial systems, forecasting, reporting, and process improvement, you partner effectively across the organization to deliver accurate analysis, maintain regulatory compliance, and drive continuous improvement.

What You'll Do

• Support strategic financial initiatives to aid in the achievement of multi-year ongoing financial objectives to support the financial position, growth, and profitability of the Credit Union, through effective long-term capital management.
• Assist in the routine preparation of financial reports for the Credit Union including, but not limited to, information for management reports analyzing financial performance by channels, markets, and peers.
• Analyze the monthly financial statements and reports, and communicate variances and relevant findings in support of the financial plan.
• Maintain a thorough understanding of the general ledger accounts, components of the balance sheet, income statement, key ratios, products, and other pertinent financial data.
• Using PowerBI and/or Excel, aggregate multiple data sources into a single story to summarize the results of a review into actionable points for Senior Management to support business decision-making.
• Assist with requirement gathering using interviews, document analysis, use cases, scenarios, and workflow analysis.
• Learn and gain an understanding of lending/deposit rates, policies and procedures impacting responsibilities.
• Update procedures in response to changes in operational activities or technological upgrades.
• Perform reviews or validations of other Financial Analyst work prior to, or in lieu of, review by Team Leadership.
• Ensure compliance with applicable standards, rules, regulations, and systems of internal control.
• Conduct ad hoc market research, special studies, reviews, analyses, and all other duties as assigned.
• Update and maintain financial models including, but not limited to profitability and pricing models through scenario and breakeven point analyses.
• Analyze financial results and synthesize through written reports or dashboards, with clean and concise visual charting.
• Prepare or create ad hoc financial models, analyses, spreadsheets, visualizations, and presentations that effectively present data and analytical findings for management as reference for strategic decisions, committee review, and other information requests.
• Continue to expand on an understanding of lending/deposit rates, policies and procedures impacting responsibilities.
• Perform reviews or validations of Financial Analyst I work prior to, or in lieu of, review by Team Leadership.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Perform other duties as assigned.
• Specializations in this position may include one or more of the following: * General Ledger Accounting * Financial Reporting * Lending (Real Estate Secured/Personal Loan/Vehicle Secured/Credit Cards) * Marketing * Business Banking * Treasury functions * Pricing (Loans and Deposits) * Compliance Reporting * Loan Portfolio Analysis * Membership Analysis

Qualificiations And Preferences

• Bachelor’s Degree in area of specialty (Accounting, Mathematics, Business Administration, Information Technology or similarly quantitative/analytical degrees). Equivalent work experience with required knowledge/skills may be substituted for other degree types required
• 1+ years of progressive finance or relevant accounting experience required
• 1+ years of Analytical Experience required

Why Join Us

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

Disclaimer/Intent And Function Of Job Descriptions

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.