Pricing & Profitability Analyst — Remote/Hybrid

SCE Federal Credit Union; Irwindale (CA); On-site; USD 77,000 - 99,000; Full time

Job summary

Rize Federal Credit Union in Irwindale, CA is seeking a Financial Analyst for Profitability & Pricing to own pricing strategies, funds transfer pricing methodology, and profitability analysis across products and the shared services organization. You will deliver monthly pricing packages, rate recommendations, and performance reporting.

The role reports to the Vice President of Finance and requires preparing pricing packages, conducting market rate surveys, and maintaining inputs for competitive

Qualifications

• At least 3 years of financial analysis experience, preferably in a financial institution.
• Direct experience with funds transfer pricing: methodology selection, rate construction, documentation, and ongoing maintenance
• Demonstrated experience in deposit and loan pricing analysis, including making and defending rate recommendations to a pricing or management committee
• Experience operating a profitability measurement system at the product, branch, or member level
• Understanding of net interest margin mechanics and how pricing decisions move it
• Familiarity with deposit behavior, certificate rollover behavior, and price elasticity in a retail financial institution
• Demonstrated ownership of a recurring deliverable through a full production cycle, including reconciliation and integrity checks, whether manual or automated
• Bachelor's degree in finance, accounting, economics, business administration, or a related field
• High proficiency in Microsoft Excel, including complex formulas, PivotTables, and other methods of working with large datasets
• Experience with a profitability or funds transfer pricing platform
• Familiarity with SQL and the ability to write queries against loan and deposit level detail
• Experience with a general ledger system, including retrieving account-level detail and reconciling a report to it

Responsibilities

• Own and maintain the funds transfer pricing methodology, including documentation and monthly transfer rates
• Produce quarterly profitability analysis by product, portfolio, branch, and delivery channel
• Perform the monthly profitability system upload and produce the resulting reporting
• Produce risk-adjusted return on capital analysis for lending products and portfolios
• Analyze fee income by source and review our fee schedule against the market
• Produce the monthly loan and share pricing analysis with explicit rate recommendations
• Maintain current market rate inputs, including FHLB advance rates and competitor rates
• Maintain the certificate rollover tracking log and analyze retention against offered rates by tier and term
• Produce deposit trend analysis and projections by product and tier
• Produce monthly loan production reporting including waterfall and channel analysis
• Track member acquisition/retention and analyze against pricing actions

Skills

Financial analysis

Funds transfer pricing

Deposit pricing

Profitability analysis

Net interest margin

SQL

Excel

Communication

Pricing analysis

Presentation to committee

Education

Bachelor's degree

Tools

SQL

Excel

Power BI

Tableau

Job description

Rize Federal Credit Union in Irwindale, CA is seeking a Financial Analyst for Profitability & Pricing to own pricing strategies, funds transfer pricing methodology, and profitability analysis across products and the shared services organization. You will deliver monthly pricing packages, rate recommendations, and performance reporting.

The role reports to the Vice President of Finance and requires preparing pricing packages, conducting market rate surveys, and maintaining inputs for competitive