GENERAL SUMMARY

Serves as a senior strategic analytics partner to various stakeholders including Executive Leadership, delivering enterprise-wide financial, profitability, portfolio risk, and operational intelligence to support strategic decision-making and organizational performance initiatives. Leads enterprise profitability analytics across products, member segments, channels, branches, and lines of business to support strategic decision-making. Analyzes member and product trends, profiles, and historical data to generate actionable insights and recommendations for business improvements and initiatives. May lead cross-functional analytical initiatives and provide technical mentorship, analytical guidance, and project leadership to junior analysts and business partners.

Position Duties & Functions

• Gather, integrate, and analyze data from multiple sources, including database systems, Accounting, and cross-functional teams, to perform profitability analysis across product lines, member segments, branches, and risk profiles. Identify key profitability drivers and make recommendations to improve profitability.
• Maintain, enhance and apply Activity-Based Costing (ABC) methodologies, profitability allocation assumptions, and cost account processes used to support enterprise profitability analysis and strategic financial decision-making. Evaluate costing assumptions, operational drivers, and business processes to identify opportunities for improved financial performance, resource optimization, and operational efficiency.
• Partner with Accounting to reconcile profitability analyses with financial statements, understanding line of business methodology differences from Generally Accepted Accounting Principles (GAAP).

• Lead real estate portfolio stress testing, reserve analytics, and forward-looking credit risk assessments to evaluate portfolio exposure and potential loss scenarios under varying economic conditions.
• Support enterprise Current Expected Credit Loss (CECL) methodologies through ownership of real estate reserve analysis, scenario modeling, and portfolio-level forecasting assumptions.
• Analyze and benchmark Credit Union financial and operational performance against peer institutions to identify competitive positioning, performance trends, and opportunities for improvement.

• Architect and deliver enterprise business intelligence solutions, executive dashboards, and advance reporting frameworks supporting strategic, financial, and operational performance management through Power BI.
• Collaborate with Business, Technology, Strategy, and Data Management teams to evaluate data systems, streamline data extraction processes, and develop efficient data structures to support reporting, analytics, and business intelligence initiatives.
• Perform routine and ad hoc analysis for business units, including ongoing monitoring of deposit drivers and proactive communication of key trends, risks, and insights to senior management.
• Develop and maintain forecasting models to predict loan growth, deposit trends, and member behavior patterns in support of strategic and operational planning.
• Provide analytical and reporting support across various Credit Union departments and initiatives based on organizational priorities and business needs.

• Serve as a key analytics partner supporting enterprise strategic planning, and executive decision-support initiatives including corporate metric development, and optimization of the enterprise data warehouse to enhance organizational reporting and analytics capabilities.
• Support member experience initiatives through analysis of survey feedback and member insights.
• Mentor and provide guidance to junior analysts while collaborating across the Business Analytics team on shared projects, cross-functional initiatives, and continuous improvement efforts.
• Utilize advanced analytics platforms and tools, including Databricks, to develop data-driven insights, improve analytical efficiency, and support strategic business solutions.
• Perform additional duties and responsibilities as assigned in support of departmental and organizational objectives.

POSITION REQUIREMENTS

EXPERIENCE and EDUCATION

• Minimum of 7 years of related professional experience preferred, including at least 5 years of analytics experience within retail banking, consumer lending, or financial services environments.
• Bachelor's degree in Analytics, Finance, Business, Economics, Statistics, Computer Science, or a related field preferred; equivalent combination of education and relevant experience may be considered.
• Demonstrated experience developing advanced reporting solutions, data analytics, financial models, and statistical forecasting methodologies.
• Strong consultative, communication, and relationship-management skills with the ability to translate complex analysis into actionable business insights.
• Responsible for ensuring the accuracy, timeliness, quality, and professionalism of all assigned work and deliverables.

KNOWLEDGE and SKILLS

• ANALYTIC SKILLS
  • Strong ability to design and execute analyses that translate complex data into actionable business insights and strategic recommendations.
  • Demonstrated critical thinking skills with the ability to balance analytical rigor and creative problem-solving.
  • Ability to make sound recommendations and business decisions using incomplete or evolving data sets.
  • Effective communication skills with the ability to present complex analytical concepts and findings to non-technical audiences in a clear and meaningful manner.
  • Ability to work independently with strong initiative while also collaborating effectively within cross-functional teams.
  • Solid understanding of financial statements, banking operations, and financial products.

• DATA SKILLS
  • Extensive experience working with large and complex datasets; database management experience preferred.
  • Strong SQL programming and query development skills required.
  • Experience working with enterprise data warehouses and relational database environments.
  • Ability to adapt to modern data platforms in the future.
  • Working knowledge of data mining, statistical analysis, and predictive modeling techniques, including regression analysis, clustering, decision trees, probability analysis, and hypothesis testing.
  • Familiarity with statistical and analytical tools such as SSAS Data Mining, SPSS, SAS, or similar platforms preferred.
  • Experience developing reports and dashboards using business intelligence and data visualization tools such as Power BI or Tableau.
  • Working knowledge of Databricks, Python, and R for data analysis, automation, and advanced analytics preferred.

• LANGUAGE and COMMUNICATION SKILLS
  • Ability to read, interpret, and analyze information from systems and documents including account records, agreements, vendor contracts, business publications, professional journals, technical procedures, governmental regulations, and policy manuals.
  • Strong written communication skills with the ability to prepare, edit, and proofread reports, procedures, presentations, and business correspondence using proper grammar, spelling, and professional formatting.
  • Ability to effectively present information, explain complex concepts, and respond to questions from management and employees across the organization.
  • Strong verbal communication and interpersonal skills with the ability to communicate clearly, tactfully, and professionally with members, volunteers, vendors, and employees at all organizational levels.

• COMPUTER and TECHNICAL SKILLS
  • Advanced proficiency in Microsoft Office applications, including Word, Excel, Access, PowerPoint, and Outlook, with experience utilizing advanced features and functions.
  • Proficient keyboarding and data entry skills, including 10-key proficiency by touch.
  • Ability to quickly learn and adapt to specialized software applications, reporting tools, and business systems.

COMPETENCIES

• Demonstrates collaboration and teamwork within and across departments, fostering positive working relationships throughout CFCU.
• Ability to build and maintain effective working relationships with individuals at all levels of the organization.
• Acts with integrity, professionalism, and sound judgment in support of members, employees, and CFCU's mission and values.
• Demonstrated ability to maintain strict confidentiality of member, employee, and Credit Union information.
• Maintains a professional demeanor while treating members and coworkers with courtesy, respect, and inclusivity.
• Delivers exceptional service to members and internal partners by proactively identifying solutions, overcoming obstacles, and driving continuous improvement.
• Ability to understand and align with our core competencies through daily projects and tasks:

Growth Mindset

Diversity & Inclusion

Communication

Change Ready Leadership

Responsibility

Problem Solving

Tech & Data Savvy

CU Business Acumen

PHYSICAL DEMANDS

• Position requires extensive computer use for prolonged periods, including visual focus and manual dexterity for up to eight hours per day.
• May include occasional pushing, pulling, or carrying objects weighing up to 20 pounds.
• Ability to communicate, present, and interact effectively by telephone and through virtual communication platforms, including Zoom, Microsoft Teams, and similar technologies, for extended periods throughout the workday.

SALARY AND BENEFITS:

Salary is based on qualifications and geographical location (Zone). Benefit information can be located on our Careers page here: https://www.chevronfcu.org/about-us/careers

Zone 1: $93,936.00 - $129,162.00

Zone 2: $85,481.76 - $117,537.42

Zone 3: $78,906.24 - $108,496.08

Zone 4: $75,148.80 - $103,329.60

This position is eligible to participate in the Corporate Incentive Plan. Annual incentive opportunity ranges from 0-8% of incentive eligible earnings, based on a combination of institutional performance (0-2%) and individual performance (0-6%). Incentive payments are discretionary and subject to approval.

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