Financial Analyst

Gulf Winds Credit Union • Pensacola, FL

14d • Onsite

About The Position

Supports the Vice President of Finance in delivering financial analysis, modeling, and reporting to drive strategic decision-making across the credit union. This role is responsible for maintaining and enhancing the Axiom financial management system, financial models, supporting Asset-Liability Management (ALM), liquidity analysis, budgeting, forecasting, and profitability. Through careful analysis, this position provides recommendations to management for achieving strategic objectives. Works cross-functionally with multiple departments within the organization to support accurate, timely, and actional financial insights.

Requirements

• 2-5 years of experience in financial analysis, banking, credit union, or related field preferred.
• Strong financial modeling and analytical skills (Excel required; experience with Axiom or similar preferred).
• Understanding of financial institution financial statements.
• Familiarity with ALM concepts, interest rate risk, and liquidity management preferred.
• Knowledge of GAAP and basic regulatory reporting.
• Bachelor's degree in finance, accounting, or economics.
• Demonstrates strong communication skills, with the ability to translate complex financial concepts into clear, actional insights.
• Works effectively across cross-functional teams, building strong relationships with various departments to support organizational objectives.
• Exhibits a high level of ownership and accountability, and detail orientation while maintaining composure in a fast-paced environment, effectively managing competing priorities and deadlines.
• Knowledge of the structure of the credit union's balance sheet and income statements
• Knowledge of asset-liability management
• Intermediate computer skills including spreadsheet creation, word processing, database management, and other financial computer applications
• Ability to create and deliver financial presentations
• Working knowledge of GAAP
• Ability to implement and maintain computerized general accounting, budgeting, cost accounting and related accounting and record-keeping systems
• Ability to perform financial analyses.
• Ability to read, write, comprehend, and speak English clearly.

Nice To Haves

• Master's degree or exposure to ALM, treasury, or balance sheet management preferred.

Responsibilities

• Financial Modeling and Analysis - Support and maintain the Axiom Financial Information System in order to provide timely modeling and analysis supporting budgeting, forecasting, profitability, and strategic objectives. Analyze financial performance relative to budget, forecast, and prior periods in order to identify key drivers and variances. Support development of scenario analysis for balance sheet strategy, pricing decisions, and growth initiatives. Assist in evaluating product profitability, funding costs, and margin impacts.
• Budgeting and Forecasting - Assist in development and maintenance of the annual budget and periodic forecasts within the Axiom Financial Management System. Support variance analysis and forecasting updates based upon business performance and changing assumptions. Maintain supporting schedules and documentation for budget and forecast assumptions.
• ALM, Interest Rate Risk, and Liquidity Risk Support - Support maintenance of ALM and Liquidity Risk Models, including data inputs, assumptions, and scenario outputs. Assist in preparing ALCO reporting. Validate model outputs and ensure consistency with underlying financial data. Monitor key interest rate and liquidity risk metrics and support documentation of assumptions. Monitor daily cash balances and concentration limits.
• Financial Systems Data Integrity - Support the VP of Finance in maintaining the Financial Management System, ensuring data accuracy and consistency across models and reports. Perform data reconciliations between source systems and financial models. Assist in improving model efficiency, automation, and reporting processes. Partner with Business Intelligence to ensure alignment between financial data and enterprise reporting.
• Investment Portfolio Support - Support the VP of Finance in investment portfolio maintenance and transaction decisions. Validate safekeeping and collateral positions. Assist with purchase and sale documentation and settlement validation.
• Reporting and Ad Hoc Analysis - Prepares monthly, quarterly, and annual reports and provides analysis of the information presented. Reports can include liquidity, investment, delinquency, productions, financials, consolidation, and regulatory reports.
• Performs other job related duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 11-50 employees