Sr. FP & A Analyst

Essential Responsibilities

• Own key components of the annual budget and multi-year financial plans across the consolidated bank and legal entities.
• Build, enhance, and maintain integrated financial models (income statement, balance sheet, capital, and liquidity).
• Partner with business line leaders to develop assumptions, challenge forecasts, and align plans with strategic objectives.
• Support capital planning, including stress testing, scenario analysis, and regulatory considerations.
• Drive continuous improvement in forecasting accuracy, processes, and governance.

Financial Performance Analysis

• Analyze financial performance of consolidated bank, regional banking areas, and business lines, including: Net interest margin (NIM) and balance sheet trends, loan and deposit growth, pricing, and mix, credit quality and provision dynamics, non-interest income and expense management.
• Prepare and present monthly and quarterly variance analyses vs. budget, forecast, and prior periods.
• Identify key drivers of performance and proactively highlight risks and opportunities.
• Develop and monitor KPIs including ROA, ROE, efficiency ratio, capital ratios, liquidity metrics, and growth indicators.
• Conduct deep-dive analyses on emerging trends (e.g., deposit behavior, pricing changes, customer activity).

Management Reporting & Executive Support

• Prepare monthly and quarterly internal financial reporting packages for senior management.
• Develop executive-level dashboards and presentations that clearly communicate performance insights.
• Ensure consistency and accuracy in consolidating financials across multiple bank charters.
• Provide clear, concise recommendations to support strategic and operational decisions.

Profitability Measurement & Business Analytics

• Play a key role in the design, implementation, and ongoing enhancement of profitability frameworks, including: Funds Transfer Pricing (FTP), product and customer profitability, branch and cost center performance.
• Partner with FP&A leadership to refine methodologies and improve transparency of profitability reporting.
• Analyze product pricing, margin performance, and customer segmentation to support growth and optimization strategies.
• Deliver actionable insights to senior management on business line performance and strategic initiatives.

Data, Systems & Process Improvement

• Collaborate in efforts to enhance FP&A tools, data infrastructure, and reporting processes.
• Partner with Data & Analytics teams to improve data quality, automation, and scalability.
• Support implementation and optimization of planning and reporting systems (e.g., FP&A platforms, BI tools).
• Drive efficiency through automation and standardization of recurring analyses and reporting.