Staff Accountant

Golden 1; Sacramento (CA); Hybrid; USD 78,000 - 85,000; Full time

Job summary

Golden 1 Credit Union in Sacramento seeks a Staff Accountant to join our Accounting team, focusing on mortgage accounting and ensuring accuracy and strong internal controls within the organization.

The ideal candidate has mortgage accounting experience or similar, with 5+ years in accounting within a financial institution and a Bachelor’s in Accounting. This exempt, full-time role reports to the Sr Manager - Accounting and pays $77,500–$85,000 annually.

Qualifications

• Bachelor’s Degree in Accounting or equivalent combination of education, training, and experience required.
• 5+ years in Accounting, financial institution, or equivalent required.

Responsibilities

• Monitor and maintain sub-ledgers.
• Reconcile, research, and clear differences.
• Develop process improvements to accounting systems and procedures to mitigate/resolve systemic issues and outages.
• Data entry and recordkeeping.
• Prepare journal entries for the Credit Union.
• Review and research monthly income statement variances.
• Participate in department projects by providing expert advice to management on all items related to their accounting specialization(s).
• Initiating and leading meetings to resolve issues.
• Contributes to the preparation and review of internal financial reports, including Cash Flow, Financial Statements, variance, statistical reporting, and other ad-hoc reporting.
• Formulate, affect, interpret, and implement management policies and procedure practices for all position functions.
• Update procedures in response to changes in operational activities or technological upgrades.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy act (BSA) and anti-money laundering laws appropriate to the position.
• Ensure compliance with applicable standards, rules, regulations and systems of internal control.
• Preparation of audit work papers/computer spreadsheets for internal auditors.
• Independently formulate budget expectations for accounting specialization(s) in budget preparation, analyzing past performance and anticipating likely future implications.
• Proactively develops and delivers solution recommendations to management.
• Contributes to the preparation and review of external financial reports, including Investments, Financial Statements, variance reports, regulatory reports, Board reports, statistical reporting, peer reporting, and other ad-hoc reporting.
• Increase productivity by developing automated applications, eliminating duplications and coordinating information requirements.
• Perform reviews or validations of Accounting Specialist work prior to, or in lieu of, review by Accounting Supervisor.
• Influences capital project planning.
• Update and maintain computerized accounting models and analyze results through reports, graphs and other analytical tools.
• Develop reports for executive management and the board of directors.
• Create, analyze, review data, supporting spreadsheets, and charts to report the financial performance of the Credit Union.
• Recommend enhancements to analytical modeling tools to further support strategic plans and initiatives.
• Perform reviews or validations of other accountants work prior to, or in lieu of, review by Accounting Manager or Budget Manager
• Contributes to preparation of audit work papers/computer spreadsheets for external auditors.
• Contributes to preparation of Allowance for Loan Loss Analysis (ALL), Call Report, Delinquency, Modifications, and Charge-off Reporting.
• Develop and Recommend Internal Controls improvements.
• Comprehension of economic and industry impact on financial planning and ability to adjust accordingly.
• Lead and coordinate capital project planning by advising business owners on appropriate accounting treatment on project costs and related expenses.
• Perform other duties as assigned.

Job description

Job Description

Posted Friday, August 28, 2026 at 10:00 AM

While you will work alongside the rest of our Accounting team to support the overall organization, this person will primarily handle mortgage accounting. The ideal candidate will have a background in mortgage accounting or similar areas.

Job Title: Staff Ac countant
Status: Exempt
Reports to: Sr Manager - Accounting
Department: Accounting
Job Code: 4229
Pay Range: $77,500.00 - $85,000.00 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 highly analytical and detail-oriented accounting professional who thrives on ensuring the accuracy, integrity, and transparency of financial information. You leverage strong accounting expertise, sound judgment, and a continuous improvement mindset to solve complex problems, strengthen internal controls, and support strategic business decisions. You excel at collaborating with stakeholders, translating financial data into actionable insights, and delivering high-quality reporting while maintaining compliance with regulatory and accounting standards.

WHAT YOU'LL DO:

• Monitor and maintain sub-ledgers.
• Reconcile, research, and clear differences.
• Develop process improvements to accounting systems and procedures to mitigate/resolve systemic issues and outages.
• Data entry and recordkeeping.
• Prepare journal entries for the Credit Union.
• Review and research monthly income statement variances.
• Participate in department projects by providing expert advice to management on all items related to their accounting specialization(s).
• Initiating and leading meetings to resolve issues.
• Contributes to the preparation and review of internal financial reports, including Cash Flow, Financial Statements, variance, statistical reporting, and other ad-hoc reporting.
• Formulate, affect, interpret, and implement management policies and procedure practices for all position functions.
• Update procedures in response to changes in operational activities or technological upgrades.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy act (BSA) and anti-money laundering laws appropriate to the position.
• Ensure compliance with applicable standards, rules, regulations and systems of internal control.
• Preparation of audit work papers/computer spreadsheets for internal auditors.
• Independently formulate budget expectations for accounting specialization(s) in budget preparation, analyzing past performance and anticipating likely future implications.
• Proactively develops and delivers solution recommendations to management.
• Contributes to the preparation and review of external financial reports, including Investments, Financial Statements, variance reports, regulatory reports, Board reports, statistical reporting, peer reporting, and other ad-hoc reporting.
• Increase productivity by developing automated applications, eliminating duplications and coordinating information requirements.
• Perform reviews or validations of Accounting Specialist work prior to, or in lieu of, review by Accounting Supervisor.
• Influences capital project planning.
• Update and maintain computerized accounting models and analyze results through reports, graphs and other analytical tools.
• Develop reports for executive management and the board of directors.
• Create, analyze, review data, supporting spreadsheets, and charts to report the financial performance of the Credit Union.
• Recommend enhancements to analytical modeling tools to further support strategic plans and initiatives.
• Perform reviews or validations of other accountants work prior to, or in lieu of, review by Accounting Manager or Budget Manager
• Contributes to preparation of audit work papers/computer spreadsheets for external auditors.
• Contributes to preparation of Allowance for Loan Loss Analysis (ALL), Call Report, Delinquency, Modifications, and Charge-off Reporting.
• Develop and Recommend Internal Controls improvements.
• Comprehension of economic and industry impact on financial planning and ability to adjust accordingly.
• Lead and coordinate capital project planning by advising business owners on appropriate accounting treatment on project costs and related expenses.
• Perform other duties as assigned.

QUALIFICIATIONS AND PREFERENCES:

• Bachelor’s Degree in Accounting or equivalent combination of education, training, and experience required
• 5+ years in Accounting, financial institution, or equivalent 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.