Retail Analyst - Middletown, NY

Description:
Come join Heritage Financial Credit Union's Retail Team as Retail Analyst
Do you thrive on turning data into actionable insights that drive business growth?
Are you passionate about improving member experience through strategic analysis and collaboration?
Do you enjoy working in a fast-paced environment, where every day presents new challenges and opportunities?
Here's a little about us:
Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed. Our values are at the heart of everything we do.
We believe in:

• Integrity: We are honest and trustworthy in all of our dealings with our members, employees, and the community.
• Excellence: We strive to provide our members with the best possible service.
• Teamwork: We believe that we can achieve more together than we can alone.
• Respect: We treat each other with dignity and respect.
• Community: We are committed to giving back to the communities we serve.

If you are looking for a challenging and rewarding career in the financial services industry with a company that is committed to its mission, vision and values, we encourage you to apply for a position at Heritage Financial Credit Union. Here you will find a supportive and collaborative work environment where you can make a difference in the lives of our members and our community. We offer a competitive salary, comprehensive employee benefits package, including a very generous PTO policy.

POSITION PURPOSE

The Retail Banking Analyst provides direct analytical, administrative, and operational support to Retail Senior Management. This role is responsible for compiling and interpreting performance data, supporting incentive plan administration, preparing presentations and reports, coordinating cross-departmental projects, and assisting with sales and service tracking. The Analyst helps ensure the Retail Network has accurate information, efficient processes, and strong execution of strategic initiatives that drive an exceptional member experience, operational excellence, and revenue growth.

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

Reporting & Analytics

• Collect, analyze, and interpret data related to branch performance, member growth, deposit trends, consumer lending results, and sales activity.
• Prepare weekly, monthly, and quarterly management reports with insights and recommendations.
• Maintain dashboards and scorecards for branches, retail leadership, and executive management.
• Perform data validation and quality checks to ensure accuracy of reporting.
• Support analysis for new products, promotions, and branch network initiatives.

Incentive Program Administration

• Gather performance data used to calculate monthly and quarterly retail incentive payouts.
• Validate data accuracy and coordinate with HR and Retail Leadership to resolve discrepancies.
• Assist with enhancements to incentive models, definitions, and tracking processes.

Sales & Service Support

• Compile and track sales activity, pipeline data, and lead-management metrics.
• Support Retail leadership with coordination of sales campaigns and training programs.
• Prepare materials for sales meetings, quarterly business reviews, and strategic planning sessions.

Operational Support & Administration

• Assist Retail Senior Management with project coordination, scheduling, documentation, and meeting preparation.
• Maintain procedures, branch communications, and standardized forms used across the Retail network.
• Monitor and track key operational initiatives (branch staffing, training compliance, branch audits, etc.)
• Conduct research to support decision-making related to branch operations, technology use, and member experience improvements.

Cross-Functional Partnership

• Work closely with Lending, Finance, Marketing, IT, Compliance, HR, and Training to support Retail initiatives.
• Assist with implementation of new systems, platforms, or operational processes that impact branches or retail workflows.
• Serve as a liaison for Retail when collaborative data, reporting, or project support is needed.

What's in it for you?

Salary: $60,000 - $65,000 (depending on experience)

Benefits:

• Incentives and Merit Increases
• Paid Time Off & Paid Federal Holidays
• Medical, Dental, Vision & Life Insurance
• Employee Assistance Program
• Flexible Spending Accounts/HSA
• 401(k) with Employer Match
• Educational Assistance
• Paid Time to Volunteer

Requirements:

EDUCATION/CERTIFICATION:

• A bachelor’s degree in business, finance, economics or related field is preferred.
• 1-3 Years of experience in financial services, retail banking, business analysis, or data/reporting roles required. A comparable combination of education and experience may be considered.

REQUIRED KNOWLEDGE:

• Must be able to frequently communicate with vendors, members, and coworkers; verbally, in person, on the phone, writing, and via email.
• Must be able to see and operate a computer and other office equipment such as a calculator, copier, printer, paper cutter, etc.
• May occasionally need to drive to other locations.
• This position requires that the employee gain a working knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work. The employee will comply with all requirements of the BSA and cooperate with the designated BSA Officer in assuring compliance.

SKILLS/ABILITIES:

• Strong proficiency with Excel (pivot tables, VLOOKUP/XLOOKUP, data validation).
• Experience with core banking systems, CRM, and reporting platforms
• Ability to learn new systems and navigate multiple data sources.
• Strong analytical and problem-solving skills.
• High attention to detail; able to ensure data accuracy and integrity.
• Strong verbal and written communication skills.
• Self-starter with the ability to manage multiple tasks and deadlines.
• Ability to work collaboratively across departments.