Sr. Accountant

Coastal Community Bank•Madison, MS

2d•Onsite

About The Position

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation. At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you. We are seeking a well-rounded and motivated Accountant III (Senior Accountant) to join our Finance team. As a Senior Accountant, you will play a critical role in ensuring the accuracy, compliance, and integrity of financial transactions. You will handle a variety of key accounting and financial reporting processes, maintain financial data, and ensure internal controls are followed to maintain the integrity of the company’s financial records. Your expertise in GAAP, SEC regulations, and accounting will support Coastal’s financial stability and strategic growth.

Requirements

Ability to navigate accounting challenges and learn new accounting pronouncements and understand new banking products.
Exceptional analytical and problem-solving skills with a commitment to accuracy and financial integrity.
Excellent verbal and written communication skills.
Ability to meet tight timelines.
Ability to work independently and as part of a team.
Ability to manage project assignments through to completion.
Bachelor’s Degree in Accounting, Business Administration, Finance, or a related field.
3+ years of relevant experience in financial reconciliation, general ledger accounting or regulatory reporting.
Strong understanding of GAAP compliance, SEC reporting, and banking regulations.
Advanced proficiency in Microsoft Excel (formulas, pivot tables).

Nice To Haves

Expertise in digital payments accounting and financial reconciliation highly preferred.
Proficiency in financial data analysis tools such as Workiva is a plus.
Experience in banking, financial services, or fintech preferred.

Responsibilities

Perform complex reconciliations of cash and general ledger accounts.
Partner with teams across the organization (Bank Operations, Finance, HR, Payroll) to investigate and resolve accounting discrepancies.
Prepare supporting schedules for internal and external reporting.
Develop and record accurate general ledger entries, maintaining financial integrity.
Prepare or review financial schedules for audits, financial reporting, regulatory reporting and management.
Prepare GL accruals, building worksheets to analyze more complex balance sheet accounts.
Perform monthly and quarterly variance and yield analysis, verifying transactions are reported in proper accounting periods and ledger classifications.
Monitor and report on the progress of software development projects, ensuring accurate cost allocation.
Assist with implementation and maintenance of reporting systems.
Assist with corporate estimated tax accruals and payments.
Assist with sales and use tax accruals and accounting.
Assist with complex accounting including lease liabilities and ROUA, corporate tax supports, expense/revenue allocations, and other duties as needed.
Utilize Workiva and advanced Microsoft Excel skills to enhance and automate financial processes.
As needed, represent Accounting on Bank projects at meetings and through project completion.
Read, interpret, and apply GAAP, SEC, and regulatory guidance to ensure full compliance.
Maintain and update written accounting plans, desktop procedures, and documentation for assigned functions, and cross-train on other team duties.
Assist in ensuring department is performing in accordance with internal policies/procedures and regulatory compliance rules and regulations.

Benefits

Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.
Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.
Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.
Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.
Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.
Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.
Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.
401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.
Paid Time Off: Generous vacation and sick leave policies to support your time away from work.
Holidays: Enjoy 11 paid holidays throughout the year.