Financial Analyst II

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

4310

Grade:

20S

Status:

Exempt

POSITION AND PURPOSE

Performs various finance and analytical functions for Golden 1 Credit Union, including but not limited to financial reporting, financial analyses, and maintaining financial systems/models. Employees in this area are cross-trained in several aspects of finance and analytical functions and will assist the Finance Management team in special projects.

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You are a detail-oriented and analytical finance professional with strong financial reporting, modeling, and data analysis skills.

You excel at translating complex financial data into meaningful insights that support strategic decision-making, business growth, and profitability. With expertise in financial systems, forecasting, reporting, and process improvement, you partner effectively across the organization to deliver accurate analysis, maintain regulatory compliance, and drive continuous improvement.

THE WORK

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Support strategic financial initiatives to aid in the achievement of multi-year ongoing financial objectives to support the financial position, growth, and profitability of the Credit Union, through effective long-term capital management.

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Assist in the routine preparation of financial reports for the Credit Union including, but not limited to, information for management reports analyzing financial performance by channels, markets, and peers.

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Analyze the monthly financial statements and reports, and communicate variances and relevant findings in support of the financial plan.

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Maintain a thorough understanding of the general ledger accounts, components of the balance sheet, income statement, key ratios, products, and other pertinent financial data.

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Using PowerBI and/or Excel, aggregate multiple data sources into a single story to summarize the results of a review into actionable points for Senior Management to support business decision-making.

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Assist with requirement gathering using interviews, document analysis, use cases, scenarios, and workflow analysis.

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Learn and gain an understanding of lending/deposit rates, policies and procedures impacting responsibilities.

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Update procedures in response to changes in operational activities or technological upgrades.

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Perform reviews or validations of other Financial Analyst work prior to, or in lieu of, review by Team Leadership.

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Ensure compliance with applicable standards, rules, regulations, and systems of internal control.

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Conduct ad hoc market research, special studies, reviews, analyses, and all other duties as assigned.

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Update and maintain financial models including, but not limited to profitability and pricing models through scenario and breakeven point analyses.

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Analyze financial results and synthesize through written reports or dashboards, with clean and concise visual charting.

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Prepare or create ad hoc financial models, analyses, spreadsheets, visualizations, and presentations that effectively present data and analytical findings for management as reference for strategic decisions, committee review, and other information requests.

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Continue to expand on an understanding of lending/deposit rates, policies and procedures impacting responsibilities.

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Perform reviews or validations of Financial Analyst I work prior to, or in lieu of, review by Team Leadership.

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Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.

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Perform other duties as assigned.

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Specializations in this position may include one or more of the following:

• General Ledger Accounting
• Financial Reporting
• Lending (Real Estate Secured/Personal Loan/Vehicle Secured/Credit Cards)
• Marketing
• Business Banking
• Treasury functions
• Pricing (Loans and Deposits)
• Compliance Reporting
• Loan Portfolio Analysis
• Membership Analysis

QUALIFICATIONS

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Bachelor’s Degree in area of specialty (Accounting, Mathematics, Business Administration, Information Technology or similarly quantitative/analytical degrees). Equivalent work experience with required knowledge/skills may be substituted for other degree types required

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1+ years of progressive finance or relevant accounting experience required

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1+ years of Analytical Experience required

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Functional:

* Functional Knowledge in the following: Federal Rules and Regulations as applied to credit unions; Golden 1 Products; Golden 1 Employee Handbook.

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Intermediate knowledge in the following areas: Relevant Corporate Finance concepts; U.S. GAAP and General Ledger Accounting concepts; Golden 1 Policies and Procedures; Lending concepts; Retail Branch Banking; Compliance Reporting.

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Technical:

* Intermediate-to-expert knowledge in the following systems/applications (required): Microsoft Excel- Formulas, functions, and pivot tables, dashboard creation, Power Query, data connections, and basic macros; Microsoft Power Point; Microsoft Word; Microsoft Outlook- Email, Calendar, Task; Microsoft Teams; PDF Creation/Editing (Nitro Pro).

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Intermediate knowledge in the following systems/applications (preferred): Microsoft Power BI - Building Visuals using existing Datasets, and understanding of Power BI Desktop; SQL Programming - Select Statements, Joins, Aggregating Data, and Querying; DataSafe.

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Basic knowledge in the following systems/applications (preferred): SAS Enterprise Guide - Use of tools to import and manipulate datasets; VBA Coding to support automation of tasks; Bloomberg Terminal; Syntellis Axiom EPM.

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Behaviors:

* Self-Motivated, can stay focused with minimal oversight.

* Models Golden 1's Core Values of Service Excellence, Respect, Integrity, and Reliability; Embraces Golden 1's mission and vision.

* Acts ethically in all matters.

* Plans and organizes work in order to support department goals.

* Productively works to improve the standard way of doing things, anticipating issues to prevent problems before they occur.

* Utilizes skill and training to make recommendations to improve a process, support our Core Values and/or save costs.

* Can be counted on to meet obligations and accepts accountability for delivering results.

* Demonstrates reliable and on-time attendance.

* Demonstrates functional, technical and job specific knowledge required for position.

* Takes ownership of their own professional and personal development to ensure their skills remain current and relevant.

* Is open and willing to try new approaches and ideas.

* Learns about and embraces changes in Golden 1’s strategy or direction.

* Attention to detail; ensures accuracy in work product.

* Ability to independently prioritize tasks.

* Leverages available tools and resources to stay organized and proactive.

* Demonstrates desire and ambition to achieve.

* Knows when work product requires additional attention to presentation and acts accordingly to ensure deliverables match the need.

* Is available and sought after as a resource of relevant skill and knowledge.

* Able to work through roadblocks and find solutions.

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Communication & Interaction:

* Steward of the Golden 1 Brand and maintains quality standards of service excellence in all interactions.

* Respects and works well with people with diverse skills, styles, perspectives, and backgrounds.

* Contributes to an inclusive environment, where everyone is treated with courtesy, dignity and respect, regardless of perceived differences.

* Provides exceptional member/colleague service by showing caring, friendly, member centric support, and seeking opportunities to provide Golden Service.

* Fully participates in meetings, proactively bringing forward relevant information, ideas and potential solutions.

* Communicates clearly and concisely, both in written and oral form.

* Shares knowledge freely to help others succeed.

* Shares important information at appropriate time; Ability to escalate issues requiring additional action.

* Works well within team and across departments, effectively collaborating and interacting with coworkers, leaders, and members.

* Acknowledges and celebrates the success of others.

* Gives and receives honest and candid feedback in a constructive way; Leverage feedback to further personal and professional development.

* Positively adapts to changes in Golden 1 and/or changes in own role, and helps others to do the same.

* Effective listener.

* Presumes positive intent in all communications.

* Able to speak in technical and business language based on the audience.

* Ability to ask relevant probing questions of external stakeholders to ensure appropriate accounting treatment.

* Confident communicating with mid-level management outside of the team.

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Leadership:

* Guides external stakeholders to proper resources for inquiries.

* Supports team and department leadership with projects.

* Supports teammates.

* Provide guidance and training to Junior Financial Analysts.

* Ability to effectively lead efficient meetings.

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Chartered Financial Analyst (CFA) preferred

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Certified Corporate FP&A Analyst (FPAC) preferred

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Certified Treasury Professional (CTP) preferred

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other relevant advanced degree preferred

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Takes Initiative - Owns tasks and responsibilities 

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Delivers Results with Agility - Meets deadlines and adapts

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Collaborates Across Teams - Works well within the team Solves Problems Proactively

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Handles day-to-day challenges Builds Trust and Credibility - Demonstrates reliability 

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

All levels of staff and management.

EXTERNAL:

Vendors, external auditors, and other financial institutions or business sources.

WORKING CONDITIONS

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.

PHYSICAL REQUIREMENTS

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.