Senior Financial Analyst - Community Banking
About the role
The Senior Financial Analyst — Community Banking is a member of the bank's FP&A team, providing financial planning and analysis support to the bank's core business units: Lending, Retail Banking & Deposits, and Treasury Management. This role is central to the monthly financial close, forecasting, and business performance processes that keep leadership informed and the institution on plan.
Responsibilities
Support financial performance analysis across commercial, consumer, and mortgage lending portfolios. Loan origination volume and pipeline forecasting
Net interest income (NII) and margin analysis
Credit loss provisioning and reserve tracking
Charge-off and delinquency trend analysis
Yield and spread performance vs. budget
Partner with retail leadership on deposit performance, customer economics, and branch profitability. Deposit balance forecasting by product type
Cost of funds and rate sensitivity monitoring
Retail fee income analysis
Customer acquisition cost and relationship profitability
Branch-level P&L reporting support
Provide financial analysis that helps leadership grow and manage the profitability of the Treasury Management business.
Fee income analysis and forecasting across treasury management products
Product adoption, penetration, and usage trends (ACH, wires, lockbox, positive pay, merchant services)
Customer and segment profitability, with emphasis on small-business relationships
Pricing performance and account analysis economics
Client growth, attrition, and retention metrics
Revenue contribution vs. budget and prior year
Lead the FP&A contribution to annual budgeting and multi-year planning cycles for all three business units
Maintain rolling forecast models that incorporate rate environment shifts, volume trends, and strategic initiatives
Update balance sheet and income statement projections monthly based on actuals, pipeline data, and management assumptions
Prepare forecast packages and presentations for the CFO, executive leadership, and Board-level reporting
Act as the primary FP&A point of contact for business unit leaders, providing proactive financial analysis, not just reactive reporting
Develop insights from financial data that support operational decision-making — identifying growth levers, cost pressures, or performance anomalies
Present findings clearly in both written and verbal formats tailored to the audience
Participate in business reviews, strategic planning sessions, and cross-functional projects as the finance voice for the Banking Division
Leverage AI tools (including large language models, automation platforms, and intelligent analytics) to accelerate reporting, modeling, and insight production
Design and refine AI-assisted workflows to improve the throughput and consistency of recurring FP&A deliverables
Maintain strong judgment about when AI output requires human review, validation, or escalation — functioning as an editor and quality controller of AI-generated work
Champion productivity improvements within the FP&A team through process automation and tool adoption
Maintain and improve financial models, ensuring version control, documentation, and auditability
Work with data and technology teams to improve data quality, source reliability, and system integration
Support ongoing improvements to the FP&A technology stack (e.g., Workday Adaptive, Anaplan, Essbase, or similar EPM platforms)
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field
- 3–6 years of FP&A experience, preferably in financial services or banking
- Direct experience supporting multiple business units or product lines
- Strong financial modeling skills in Excel; familiarity with EPM tools
- Demonstrated ability to prepare and present executive-level financial packages
- Working knowledge of banking fundamentals: NII, net interest margin, deposit pricing, loan loss provisioning
- Comfortable working in a fast-paced environment with hard monthly deadlines
- Preferred experience in a regional bank, community bank, or financial holding company
- Exposure to all three coverage areas: lending, retail/deposits, and treasury
- CFA, CPA, or FP&A certification (AFP)
- Experience with AI-assisted financial workflows or prompt engineering for analytical tasks
- Familiarity with regulatory reporting environments (call reports, FDIC, OCC)
- Graduate degree in Finance, MBA, or related discipline
- Experience analyzing fee-based or transaction-driven product lines (e.g., treasury management, payments, cash management)