Senior Financial Analyst

Bank of the Orient; Millbrae (CA); On-site; USD 95,000 - 130,000; Full time

Job summary

Bank of the Orient seeks a Senior Financial Analyst to support the CFO and senior management in financial planning, forecasting, capital strategy, and ALCO analysis. You will build dynamic models and deliver FP&A insights to guide liquidity and profitability.

The role requires strong analytical and modeling skills, banking knowledge, and experience with Excel; Power BI and SQL are a bonus. This on-site position in the Bay Area offers opportunities to influence strategic decisions.

Qualifications

• Bachelor's degree in Finance or Accounting required or MBA preferred.
• 3-5 years of FP&A experience within banking or financial institutions.
• Advanced Excel modeling skills; familiarity with Power BI, SQL or similar tools is a plus.
• Understanding of GAAP and regulatory compliance rules.
• Ability to read and analyze financial data and recognize conflicts.
• Independent judgment and problem-solving ability.
• Strong multi-priority management in fast-paced environment.
• Proficiency in MS Word and Excel; familiarity with accounting programs.
• Strong analytical, communication, and presentation skills.

Responsibilities

• Perform annual budget, monthly variance analysis, quarterly forecasts and multi-year financial projections.
• Manage the budget process by reviewing and explaining budget variances with executives/senior managers.
• Support the CFO and Controller with monthly ALCO packages, including NIM, rate sensitivity, and liquidity analysis.
• Prepare management and board-level financial reports summarizing profitability, liquidity, and capital metrics.
• Build and maintain dynamic financial models for loan and deposit growth, margin projections, and capital metrics.
• Conduct yield and cost-of-funds analysis across market regions to inform deposit and funding strategy.
• Contribute to capital planning, stress testing, and public-company readiness initiatives.
• Provide ad-hoc financial analysis and recommendations to support strategic initiatives.
• Perform liquidity planning and cash forecasting for the Bank.
• Forecast and manage liquidity needs through daily cash flow analysis.

Skills

Advanced financial modeling

Financial analysis

FP&A experience

Banking knowledge

Regulatory understanding

Education

Bachelor's degree in Finance or Accounting

MBA

CPA preferred

Tools

Power BI

SQL

Job description

Bank of the Orient is an independent Asian Community Bank that has proudly served the financial needs of multiple Bay Area communities for over 55 years and Texas area. We are well known for our commitment to providing the highest level of personal service to our customers; we take a personal interest in our communities' unique banking needs, we are dedicated to providing integrity in banking and financial services, we provide high quality dependable service by being accessible and reliable. We are committed to excellence in everything we do.

We have an opening for a Senior Financial Analyst and the position supports the CFO and senior management in financial planning, forecasting, capital strategy, and ALCO analysis. The ideal candidate combines strong analytical and modeling skills with a deep understanding of banking financials, capital management. Key skills include advanced financial modeling, data analysis, and proficiency with relevant software and financial statements.

ESSENTIAL DUTIES:

1. Perform annual budget, monthly variance analysis, quarterly forecasts and multi-year financial projections and evaluate current and future performance trajectory. Performs financial planning and analysis (FP&A) involving budget and other financial forecasting analyzing business performance, and making recommendations for performance improvements.

2. Manage the budget process by reviewing and explaining budget variances with responsible executives/senior managers

3. Support the CFO and Controller with monthly ALCO packages, including NIM, rate sensitivity, and liquidity analysis.

4. Prepare management and board – level financial reports summarizing profitability, liquidity, and capital metric.

5. Build and maintain dynamic financial models for loan and deposit growth, margin projections, and capital metrics.

6. Conduct yield and cost-of-funds analysis across market regions to inform deposit and funding strategy. This includes leading deposit analytics to support pricing strategy and modeling Asset-Liability-Management(ALM) strategies.

7. Contribute to capital planning, stress testing, and public-company readiness initiatives. Evaluate financial performance of the Bank’s various lines of business(LOB) and assist with decision making by synthesizing key trends, assessing current and future business risks, and preparing, analyzing, and reporting on financial results and key metrics.

8. Provide ad-hoc financial analysis and recommendations to support strategic initiatives.

9. Perform liquidity planning and cash forecasting for the Bank

10. Forecast and manage liquidity needs through daily cast flow analysis, to support the bank’s daily operations and balance sheet strategy.

REQUIREMENTS:

1. Bachelor’s degree in Finance, or Accounting, MBA, CPA preferred.

2. 3-5 years of progressive experience in FP&A, within a bank or financial institution.

3. Advanced Excel modeling skills; familiarity with Power BI, SQL, or similar tools a plus, and banking working knowledge; and knowledge of generally accepted accounting principles.

4. Competency in application of regulatory compliance rules and laws.

5. Demonstrated ability to read and analyze financial and procedural data and to recognize potential conflicts.

6. Ability to use knowledge, experience, discretion and independent judgment in resolving problems.

7. Demonstrated ability to manage multiple priorities and meet deadlines in a fast-paced environment.

8. Demonstrated knowledge of computer programs – i.e., MS Word, Excel, and familiarization with accounting programs.

9. Strong analytical, communication, and presentation skills.

The candidate will be subject to investigation through credit checks, reference checks, background checks and fingerprinting checks performed at the time permissible under relevant law.

Email address: [e-mail]

Visit our website at: www.bankorient.com for additional information.

Bank of the Orient is proud to be an Affimative Action, Equal Opportunity Employer.