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 for the Treasury Management line of business. Analytical focus areas 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

• Prepare monthly divisional financial packages for the Banking Division, including P&L, variance analysis, and executive commentary Own the month-end close reporting calendar across all three business units, coordinating with accounting and business line partners Build and maintain management reporting templates, dashboards, and recurring deliverables Translate financial results into concise narratives that explain drivers, risks, and trends to non-financial stakeholders Identify and resolve data discrepancies between source systems and financial statements Forecasting & Budgeting 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 Support scenario and sensitivity modeling for strategic decisions such as rate changes, product launches, or M&A activity 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

• Data Integrity & Systems 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)

Skills

• Financial Modeling & Forecasting
• Self-Direction & Ownership
• Business Communication & Storytelling
• Data Analysis & Visualization
• AI Tool Proficiency
• Problem Solving & Insight Generation
• Banking Product Knowledge
• Stakeholder & Partner Management
• Technical Systems (EPM /BI)

Benefits

Not specified

Pay

TBD

Schedule

TBD