Junior Treasury & Finance Analyst - Cross-Functional Growth

American Credit Acceptance, LLC; Spartanburg (SC); On-site; USD 60,000 - 75,000; Full time

Job summary

American Credit Acceptance (ACA) is seeking an early-career Treasury & Finance Analyst to gain hands-on experience across Finance Operations, Capital Markets, and FP&A. The role supports daily cash needs analysis, funding operations, and reporting while building understanding of ACA funding and financial processes.

You will contribute to analyses, updates, and ad hoc projects, collaborating with internal partners and external financing partners, with opportunities to automate and improve

Qualifications

• Bachelor’s degree in finance, accounting, economics, mathematics, statistics, data analytics, or another related analytical field.
• 0–2 years of relevant experience in finance, treasury, banking, accounting, data analytics, or another related analytical field.
• Strong analytical, mathematical, and problem-solving skills with excellent attention to detail and a basic understanding of corporate finance and financial statement fundamentals.
• Working proficiency in Microsoft Excel, including experience with formulas, large datasets, and basic financial or analytical models.
• Strong written and verbal communication skills with the ability to present information clearly and professionally.
• Highly organized and able to manage multiple recurring and ad hoc priorities in a deadline-driven environment.
• Self-motivated, intellectually curious, and eager to learn financial concepts, business processes, data technologies, and analytical tools.
• Ability to work effectively both independently and collaboratively in a fast-paced environment.
• Interest in using automation, data analytics, and emerging technologies to improve accuracy, efficiency, and scalability.

Responsibilities

• Prepare and maintain the Company’s daily cash needs analysis by compiling actual and expected cash inflows and scheduled obligations to determine projected daily cash requirements for the next business day.
• Support daily funding and borrowing activities, including related analysis, reporting, collateral processes, lender requirements, and other Finance Operations responsibilities based on business needs and team capacity.
• Support recurring Capital Markets analytical and reporting activities, including funding and cost-of-funds reporting, market and competitor data, bond and securitization information, investor and rating agency information, and financing-related databases and materials.
• Prepare and update assigned financial analyses, schedules, graphs, and reporting components used in the Company’s monthly board materials and other management reporting.
• Maintain and validate financial, market, transaction, and operational data used across Treasury and Finance reporting processes to ensure accuracy, completeness, and timely delivery.
• Coordinate recurring Finance deliverables, documentation, timelines, and information requests with internal business partners and external financing partners as appropriate.
• Develop an understanding of upstream and downstream processes and identify opportunities to automate, standardize, and improve recurring Finance processes and reporting using data, analytics, and artificial intelligence tools. Coordinate with business users and IT as appropriate for testing, validation, and production deployment.
• Prepare ad hoc analyses, presentations, and reporting as requested by management in an accurate and timely manner.
• Perform additional duties and special projects as assigned.

Skills

Analytical skills

Excel proficiency

Communication skills

Attention to detail

Teamwork

Education

Bachelor’s degree in finance or related field

Tools

Snowflake

Sigma

SQL

Power BI

Python

Job description

American Credit Acceptance (ACA) is seeking an early-career Treasury & Finance Analyst to gain hands-on experience across Finance Operations, Capital Markets, and FP&A. The role supports daily cash needs analysis, funding operations, and reporting while building understanding of ACA funding and financial processes.

You will contribute to analyses, updates, and ad hoc projects, collaborating with internal partners and external financing partners, with opportunities to automate and improve