Senior Staff Accountant, Structured Finance

Aqua Finance, Inc.; United States; On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

Paid Time Off

Health & Insurance

Retirement Savings — 401(k)

Professional Development

Work-Life Balance

Inclusive Culture & Community Support

Job summary

Aqua Finance, Inc. is seeking a Senior Staff Accountant, Structured Finance to manage complex loan accounting, securitizations, and related financial reporting. This role requires strong GAAP knowledge, CPA credentials, and significant experience in financial services.

The position collaborates with Operations, Treasury, and Finance to ensure accurate reporting, robust internal controls, and timely close processes in a growing national company.

Qualifications

• Bachelor’s degree in Accounting, Business, Finance, or commensurate work experience required.
• CPA certification required.
• 5 years of progressive accounting experience or 3 years in public accounting preferred.
• Experience in financial services, specifically loan accounting and loan sales.

Responsibilities

• Lead accounting for securitizations, loan sales, and lines of credit with accurate recording and reporting.
• Analyze complex financial transactions and communicate implications to stakeholders.
• Research GAAP and new standards to determine accounting treatment.
• Develop and maintain internal controls to mitigate risks.
• Coordinate with Operations, Treasury, and Finance for technical accounting guidance.
• Prepare and review weekly, monthly, quarterly, and annual financial reporting.
• Support month-end, quarter-end, and year-end close processes.
• Coordinate external audits and respond to requests.
• Analyze large datasets to identify discrepancies and trends.
• Identify opportunities to improve accounting processes and efficiency.

Skills

GAAP knowledge

Excel proficiency

Financial analysis

Communication skills

Problem solving

Education

Bachelor’s degree in Accounting, Business, Finance

CPA certification

Job description

About Aqua Aqua Finance (Aqua) delivers flexible, consumer-friendly financing programs that help families across the U.S. bring their goals to life. From clean water solutions and home improvements to outdoor adventures, our financing options help make life’s essentials and experiences more affordable. We’re a growing national company with values deeply rooted in our Midwestern culture — one that genuinely cares about you as an individual. We succeed when you succeed and celebrate the unique skills, perspectives, and experiences you bring to our team. At Aqua, we say “Yes!” — to helping you succeed, to your growth, and to creating a place where you can thrive.

The Opportunity

The Senior Staff Accountant, Structured Finance is responsible for managing complex accounting activities related to loan accounting, loan sales, securitizations, and structured finance transactions. This role provides accounting expertise, ensures accurate financial reporting, evaluates accounting standards, and supports the development of effective internal controls. The ideal candidate will possess strong technical accounting knowledge, analytical and problem-solving skills, and experience within the financial services industry. This position works collaboratively with cross-functional teams to support financial operations, regulatory compliance, and strategic business initiatives.

Essential Functions

• Lead accounting activities for new securitizations, loan sales, and lines of credit, ensuring accurate recording, reconciliation, and financial reporting.
• Analyze complex financial transactions and communicate accounting implications, financial impacts, and reporting requirements to key stakeholders.
• Research, interpret, and apply Generally Accepted Accounting Principles (GAAP) and new accounting standards to determine appropriate accounting treatment for business transactions.
• Identify and evaluate financial reporting risks and develop, implement, and maintain internal controls to mitigate potential exposure.
• Collaborate with cross-functional teams, including Operations, Treasury, and Finance, to provide technical accounting guidance and support business initiatives.
• Prepare, review, and complete weekly, monthly, quarterly, and annual internal and external financial reporting requirements, ensuring accuracy, completeness, and timeliness.
• Support month-end, quarter-end, and year-end close processes, including journal entries, account reconciliations, and financial statement analysis.
• Coordinate and respond to external financial statement audits, bank audits, and other financial information requests.
• Analyze large financial datasets to identify discrepancies, evaluate trends, and support accurate accounting and reporting.
• Identify opportunities to enhance accounting processes, strengthen internal controls, and improve operational efficiency.

Required Education and Experience

• Bachelor’s degree in Accounting, Business, Finance, or commensurate work experience required
• CPA required
• 5 years of progressive accounting experience or three years of public accounting experience required.
• Experience within the financial services industry, specifically loan accounting and loan sales, required.
• Strong knowledge of U.S. GAAP, financial reporting principles, and technical accounting research required.
• Advanced Microsoft Excel skills, including the ability to analyze, reconcile, and interpret large datasets.
• Proficiency in Microsoft Office Suite, including Word, Outlook, and PowerPoint.
• Strong analytical, critical thinking, and problem-solving skills with the ability to evaluate complex financial transactions.
• Exceptional attention to detail, accuracy, and organizational skills.
• Strong written and verbal communication skills, with the ability to explain complex accounting concepts to both financial and nonfinancial stakeholders.
• Ability to manage multiple priorities, meet deadlines, and work effectively in a fast-paced environment.

The Aqua Advantage

At Aqua, we’re committed to supporting you both at work and beyond. Our benefits, programs, and perks are designed to support your well‑being, growth, and work‑life balance.

• Paid Time Off — Paid time off (PTO), paid holidays, and floating holidays to support time away from work.
• Health & Insurance — Medical, dental, vision, and additional coverage options.
• Retirement Savings — Company-matched 401(k) plan to help you invest in your future.
• Professional Development — Training, career growth, and educational opportunities to support your development.
• Work-Life Balance — An emphasis on flexibility and support both inside and outside of work.
• Inclusive Culture & Community Support — Diversity and inclusion initiatives along with paid volunteer opportunities.

What to Expect

This is primarily an office‑based role that requires regular use of a computer and the ability to sit for extended periods. While performing the responsibilities of this position, employees may frequently be required to sit, stand, walk, communicate verbally, hear, use vision, and handle or operate office equipment. The employee may occasionally be required to lift, push, or pull up to 20 pounds.

Aqua Finance (Aqua) delivers flexible and consumer-friendly financing programs so families across the U.S. can bring their dreams to life. Our financing solutions make clean water, home renovations, and the great outdoors more affordable. We’re a growing, national company with values that are deeply rooted in a midwestern culture that cares about you as an individual. We succeed when you succeed and celebrate what you bring to Aqua. Here are Aqua, we say “Yes” to helping you succeed! Beyond finding your dream career, we aim to be a first-choice employer.