About this Role

At Pacific Service Credit Union, we are committed to strategic growth through trust, innovation, and operational excellence. By empowering our internal teams with the tools and support they need to succeed, we strengthen organizational efficiency, ensure compliance, and advance our mission of enhancing member financial well-being.

The Senior Financial Analyst is responsible for preparing and delivering financial reporting, performing variance analyses, and producing complex financial models to support business planning and decision-making. This role leads and supports forecasting and budgeting processes, researches financial trends and performance drivers, develops and maintains analytical tools, and translates complex financial information into actionable insights to inform organizational priorities. The Senior Financial Analyst exercises independent judgment and discretion in evaluating financial data, identifying trends and key performance drivers, and assessing the financial impact of business initiatives. Working closely with leadership, this role provides expert financial analysis and recommends data-driven insights to support organizational performance.

This role requires an organized and dependable individual with strong communication skills and the ability to complete tasks accurately and on time. The position supports the team and organization by assisting with day-to-day activities, completing assigned projects, and contributing to efforts that advance organizational goals and uphold core values, while enhancing member/service outcomes.

Essential Job Functions

• Prepare monthly financial reports and exercise independent judgment to analyze financial results, identify trends, and communicate meaningful insights. Automate and optimize the processes involved in the preparation of financial reports.
• Lead key components of the forecast process by collaborating with departments to analyze business drivers and keep operating expense, production, and revenue forecasts up to date.
• Develop analytical frameworks to identify and evaluate key drivers of performance.
• Develop, maintain, and enhance complex and dynamic financial models for the forecasting and planning processes.
• Analyze loan and deposit portfolio performance, margin trends, and non-interest income/expense drivers.
• Prepare financial analysis on enterprise projects and initiatives utilizing fundamental finance concepts, like Net Present Value (NPV) analysis, to evaluate organizational opportunities and support recommendations.
• Analyze and interpret variances in actual performance compared to budget and forecasts.
• Assist in development of product profitability and pricing models.
• Collaborate with cross-functional teams to gather financial information and make recommendations to improve business performance.
• Demonstrate strong critical thinking, analytical, and problem-solving skills.
• Contribute to company innovation and continuous improvement. Foster a culture of evolution by adapting to changes, optimizing processes, and contributing to the growth and success of the organization.
• Demonstrate accountability in your work by taking ownership of responsibilities, setting clear goals, meeting deadlines, and delivering high-quality results. Act with integrity, follow through on commitments, and uphold professional standards.
• Support and uphold company culture by aligning your work with the credit union's mission and values, contributing to a positive, high-performing environment.
• Demonstrate dependable performance including attendance and punctuality, recognizing that it is essential to organizational excellence and operational success.
• Comply with all anti-money laundering laws, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act, as well as all related policies and procedures.

Supporting Functions

• Provide back-up and support to management, as directed.
• Performs special projects and other responsibilities, as directed.

Competencies

The following competencies are essential for success in this role:

Job knowledge: Demonstrates solid job expertise; learns and applies new skills effectively; works with minimal supervision; understands how work impacts others; uses resources efficiently.

Effective communication: Communicates clearly and concisely; tailors messages to audience needs; engages listeners; keeps stakeholders informed.

Problem solving: Identifies issues early; gathers and analyzes information effectively; develops alternatives; resolves problems promptly; contributes productively to group solutions.

Quality of work: Delivers accurate, thorough work; proactively reviews processes; prevents recurring issues; ensures deliverables meet all standards, expectations, and deadlines.

Member focus: Shows courtesy and professionalism; manages difficult situations constructively; meets commitments; responds promptly; seeks feedback to improve service.

Collaboration: Builds strong working relationships; demonstrates tact and professionalism; supports others; works cooperatively; helps resolve conflicts productively.

Execution: Translates strategy into action; pursues goals with focus and urgency; commits the necessary effort; implements plans efficiently and delivers results within required timeframes.

Required Minimum Qualifications

Education:

• Bachelor's degree in Finance, Economics, or related field, required.

Experience:

• Minimum five (5) years of experience in FP&A or finance division, preferably within the financial services industry.
• Advanced proficiency in Excel and other Microsoft Office applications.
• Excellent oral and written communication skills, required.
• Must be proficient in computer programs (e.g., Microsoft Office Suite).

Preferred Qualifications

• Extensive experience creating complex models, manipulating large data sets, and creating advanced formulas, in Excel.
• Experience in a credit union or community banking environment.
• Experience in ProfitStar or Financial Performance Suite.
• Experience automating Excel workbooks and data flows using Power Query.
• Proficient in SQL.

Physical Requirements

Hearing:Ability to hear and comprehend spoken communication in person and over the phone.

Vision:Ability to view computer screens and read documentation with clarity and accuracy.

Verbal Communication:Ability to speak clearly and effectively to interact with colleagues and/or members. Frequent use of telephone headset may be required.

Manual Dexterity:Proficient use of hands and fingers for typing, operating office equipment, and handling documents.

Posture and Endurance: Ability to sit or stand at a workstation for extended periods; adjustable sit/stand desk options may be available to support comfort.

Mobility:Ability to move within the office environment to attend meetings or assist colleagues, as needed.

Lifting and Carrying:Occasionally required to lift and carry materials weighing up to 30 lbs.

Other Information

Hours Required: A work schedule of Monday through Friday, generally 8 a.m. to 5 p.m., with some alternate work schedules. This position is eligible for the credit union's telecommute policy.

Travel Requirements: Less than 5% local travel, required. Limited travel during the work schedule, primarily for training, meetings, or special projects.

Work Environment: This position is based in a climate-controlled office environment with ergonomic workstations in a two-story building with an elevator. Subject to standard background noise found in an office environment. Natural light from large windows, supplemented by artificial lighting to ensure a comfortable working atmosphere.

Disclaimer

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.