Analyst

4Front Credit Union • Traverse City, MI

4d

About The Position

A senior analyst within the Finance department responsible for providing advanced financial analysis, professional judgment, and technical expertise to inform balance sheet management, liquidity planning, interest rate risk analysis, budgeting, and cash flow forecasting. This position serves as a strategic analytical advisor to Finance leadership by independently developing detailed analyses, models, and insights that inform strategic and operational decision-making.

Requirements

• Bachelor’s degree in finance, accounting, business, or a related field or commensurate experience preferred.
• Expert-level knowledge of financial analyses.
• Experience with financial modeling and visualization programs such as Microsoft Power BI, Jack Henry Financial Performance Suite, nCino Analytics, and/or ProfitStars.
• Strong Excel skills.
• Project management experience is a plus.
• SQL and DAX skills are a plus.
• Five or more years of relevant experience preferred.
• Excellent problem solving skills.
• Strong technical and analytical skills.
• Able to organize, coordinate, and direct projects.
• Solid oral and written communication abilities.
• Able to use all related hardware and software applications including spreadsheets.
• Able to use 10-key.
• Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.
• Especially where one must convey detailed or important instructions or ideas accurately, loudly, or quickly.
• Able to hear average or normal conversations and receive ordinary information.
• Average, ordinary visual acuity necessary to prepare or inspect documents or products, or operate machinery.
• Sedentary work. Sitting most of the time. Exerts up to 50 lbs. of force occasionally. (Almost all office jobs.)
• No hazardous or significantly unpleasant conditions. (Such as in a typical office.)
• Ability to apply logical thinking to define problems, collect data, establish facts, and draw conclusions. Ability to gain and apply knowledge of the Credit Union to financial analyses.
• Ability to perform analytical reviews of financial statements and other financial data.
• Ability to read periodicals, journals, articles related to the Credit Union industry. Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style. Ability to conduct training and to make professional presentations.

Responsibilities

• Portfolio Optimization: Analyze and evaluate strategies to optimize the credit union’s balance sheet, considering liquidity, interest rate risk, capital, and profitability, and provide recommendations to Finance leadership. Evaluate the performance of asset and liability categories, identify emerging trends or risks, and recommend data-driven adjustments. Assess the balance sheet, liquidity, and earnings impact of potential investment and divestment decisions and present findings for leadership consideration. Analyze potential impacts of acquisitions and large asset purchases on the credit union's balance sheet. Evaluate and value future cash flows and equity of credit union service organizations.
• Liquidity Planning: Contribute analytical expertise to the development, maintenance, and evaluation of comprehensive liquidity plans and policies, including independent scenario analysis to assess resilience under varying conditions. Continuously monitor and analyze liquidity buffers and funding sources, proactively elevating emerging risks or structural concerns. Prepare scenario analysis and data-driven insights related to cash positioning and liquidity management. Maintain awareness of upcoming liquidity needs and support Finance leadership in achieving strategic goals while prioritizing acceptable liquidity risk. Recommend adjustments to liquidity strategies based on changing economic conditions and regulatory requirements.
• Interest Rate Risk Mitigation: Evaluate and analyze interest rate risk mitigation strategies, including derivatives or interest rate swaps, and provide analytical recommendations to Finance leadership. Monitor hedge effectiveness and prepare analytical assessments to inform potential structural or tactical adjustments. Collaborate with the treasury department to optimize the asset and liability mix to mitigate interest rate risk. Prepare pricing analyses and risk assessments to support risk mitigation while ensuring the institution’s profitability and stability.
• Interdepartmental Analysis Expertise: Provide expert-level financial analysis and support to other credit union departments, including risk management, lending, and marketing. Serve as an analytical resource by responding to data requests and developing insights in coordination with Finance leadership. Collaborate with departments to develop customized financial reports and analysis that align with their strategic goals.
• Process Optimization: Identify and advise on opportunities to streamline balance sheet management processes, data gathering, and reporting. Develop and implement automation solutions for routine analytical tasks and reporting where appropriate. Monitor the efficiency of processes and make continuous improvements. Conduct training sessions for junior analysts on process optimization techniques.
• Advanced Reporting: Generate complex financial reports, forecasts, budgets, and analyses for senior management, board meetings, and regulatory authorities. Develop interactive dashboards and visualizations to communicate insights effectively. Provide detailed explanations and recommendations based on data analysis. Design and implement novel and custom SQL, Power Query M, and DAX-based reports. Lead the annual budgeting and forecasting processes by preparing advanced financial models, variance analyses, and scenario projections under the direction of Finance leadership. Maintain and advise on forecasting assumptions, data inputs, and reporting structures to ensure consistency across budget, forecast, and actual results.
• Regulatory Compliance Oversight: Support Finance leadership in monitoring the credit union's compliance with all regulatory requirements related to balance sheet management and interdepartmental analysis. Proactively address any compliance issues and coordinate responses to regulatory inquiries. Keep abreast of changes in regulations and assess their impact on the credit union's operations. Assist in evaluating new processes and policy updates to remain in compliance with emerging and amended regulatory requirements.
• Project Management: Provide significant analytical support for special projects related to balance sheet management, liquidity, interest rate risk, and interdepartmental analysis. Advise leadership in defining project scopes, objectives, and timelines. Support cross-functional coordination by providing analysis, documentation, and reporting to achieve project goals and deliver results on time. Prepare project status reports and presentations for senior management.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level