Senior Accountant

Pacific Service Credit Union • Concord, CA

2d • Hybrid

About The Position

The Senior Accountant independently performs and reviews complex accounting activities to support accurate, timely, and well-controlled financial reporting at Pacific Service Credit Union. Reporting to the Accounting Manager, the position owns assigned general ledger areas; contributes to monthly, quarterly, and year-end close; prepares regulatory and management reporting; researches accounting issues; and supports audits, examinations, system initiatives, and process improvements. The role works with the accounting team and business partners to resolve issues and maintain compliance with accounting standards, regulatory requirements, and credit union policies.

The position requires an organized, dependable individual with strong communication skills who can complete work accurately and on time. It supports day-to-day accounting operations and assigned projects, and contributes to organizational goals, company culture, continuous improvement, and member and service outcomes. The schedule is generally Monday through Friday, 8 a.m. to 5 p.m., with some alternate schedules. The position is eligible for the credit union’s telecommute policy and requires less than 5% local travel.

Requirements

• Bachelor’s degree in accounting or a closely related discipline with sufficient accounting coursework, or an equivalent combination of relevant education and progressively responsible accounting experience.
• At least four years of progressively responsible accounting experience, including substantial responsibility for general ledger accounting, reconciliations, month-end close, financial statement preparation, and financial analysis.
• Advanced proficiency in Microsoft Excel, including PivotTables, XLOOKUP or comparable lookup functions, SUMIFS, data validation, error checking, and analysis of large data sets.
• Excellent oral and written communication skills.
• Proficiency with computer programs, such as Microsoft Office Suite.
• Ability to work with minimal supervision and apply job knowledge and new skills effectively.
• Strong analytical, problem-solving, and organizational skills, including the ability to identify, analyze, and resolve complex accounting issues and discrepancies.
• Excellent attention to detail and ability to meet tight deadlines in a fast-paced environment.
• Ability to maintain confidential and sensitive information and demonstrate accountability and dependability.
• Ability to recognize, analyze, and resolve discrepancies between third-party and credit union records, and to identify and resolve inefficiencies or discrepancies in internal processes and records.
• Ability to hear and comprehend spoken communication in person and by phone; view computer screens and documentation clearly; and speak clearly and effectively.
• Proficient use of hands and fingers for typing, office equipment, and documents; ability to sit or stand at a workstation for extended periods and move around the office as needed.
• Occasionally lift and carry materials weighing up to 30 pounds.
• Less than 5% local travel is required.
• Comply with applicable anti-money laundering laws and related policies and procedures.

Nice To Haves

• CPA, CMA, or active progress toward a relevant professional certification.
• Experience in a credit union, bank, or other regulated financial institution; directly relevant public accounting or financial-services audit experience may be considered.
• Experience with Power Query or similar data-transformation tools.
• Strong working knowledge of U.S. GAAP and accounting practices applicable to financial institutions, including NCUA financial and regulatory reporting requirements.
• Experience with accounting software, core financial systems, and financial reporting applications.
• In-depth knowledge of month-end closing, including journal entries, reconciliations, and financial analysis.
• Experience with loan, investment, deposit, and other financial institution accounting.
• Experience assisting with external audits, regulatory examinations, and tax filings.
• Knowledge of Symitar software.
• Ability to formulate and articulate solutions independently or as part of a team.

Responsibilities

• Prepare, review, and post recurring, accrual, amortization, reclassification, and other complex journal entries.
• Research accounting issues and evaluate transactions to help determine appropriate accounting treatment under applicable standards.
• Prepare and maintain detailed reconciliations for assigned general ledger accounts; investigate and resolve discrepancies and reconciling items.
• Maintain the fixed assets system and post related general ledger entries.
• Assist with preparation and review of monthly financial statements and management reports.
• Own assigned parts of monthly, quarterly, and year-end close, including supporting schedules, variance analysis, review of unusual activity, resolution of open items, and meeting deadlines.
• Assist in developing and maintaining accounting procedures and internal controls.
• Support accounting and reporting for the allowance for credit losses and CECL methodology.
• Maintain accounting for investments and related income, premiums and discounts, fair-value adjustments, and other applicable investment activity.
• Prepare, review, and reconcile assigned regulatory reports and supporting schedules, including applicable NCUA Call Report schedules; validate data, investigate variances, maintain documentation, and escalate material issues before filing deadlines.
• Assist with accounting for loan-related activities, including loan fees, deferred costs, charge-offs, and recoveries.
• Prepare audit and examination schedules, respond to information requests, explain assigned processes and balances, resolve follow-up items, and help implement agreed corrective actions from audits and NCUA examinations.
• Assist with preparation and filing of applicable tax returns and related schedules.
• Identify control weaknesses and process improvement opportunities, and communicate recommendations to management.
• Participate in or lead system implementations, upgrades, conversions, and other finance-related projects.
• Manage the end-to-end unclaimed property (escheatment) process in compliance with applicable state laws and reporting requirements.
• Verify outgoing member wires and process corporate wires according to authorization limits, dual-control requirements, security procedures, and policies; escalate exceptions or suspected irregularities.
• Assist with creating, maintaining, and updating the Chart of Accounts, including evaluating requests, confirming classification, documenting support, obtaining approvals, and communicating changes.
• Administer assigned accounting-system user access according to approved requests, role-based standards, segregation-of-duties requirements, and periodic review procedures; do not approve personal access or requests for which the position is the system owner.
• Research and compile information for weekly and monthly rate changes; validate source data, document calculations and approvals, and communicate updates to designated stakeholders.
• Collaborate across departments to resolve financial inquiries.
• Review selected reconciliations, journal entries, schedules, or other work prepared by accounting team members, as assigned, and provide constructive feedback.
• Maintain process documentation and cross-train team members to support continuity and backup coverage.
• Contribute to innovation and continuous improvement; adapt to changes and optimize processes.
• Take ownership of responsibilities, set goals, meet deadlines, deliver quality work, act with integrity, and uphold professional standards and company values.
• Maintain dependable attendance and punctuality and contribute to a positive, high-performing environment.
• Comply with anti-money laundering laws and related policies, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act.
• Provide backup and support to management as directed, and perform special projects and other assigned responsibilities.

Benefits

• 97% premium employer-paid medical insurance for full-time employees.
• 100% premium employer-paid dental, vision, disability, and basic life insurance for full-time employees.
• Low monthly premium for eligible dependents.
• Employer contribution of 3% of base salary to a 401(k), regardless of employee contributions.
• 401(k) match of 75% of employee contributions up to the first 3% of eligible compensation beginning after the first day of employment, increasing up to 6% after three years of service.
• Bonus program rewarding employees for attaining annual organizational goals.
• Tuition reimbursement for eligible employees after six months of service.
• Employee recognition program.
• Employee referral bonus.
• Monthly contributions toward student loans after six months of service.
• Consumer loan rate discount for employees.
• For full-time employees: more than two weeks of vacation per year, 11 paid holidays, and 10 days of sick leave.
• Telecommute policy eligibility.

What This Job Offers

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