Financial Analyst – LDF Holdings

The Financial Analyst supports the Director of Lending by helping manage the financial activities of LDF Holdings and its subsidiaries. This position works closely with leadership to ensure each subsidiary operates with accurate reporting, consistent financial workflows, and compliance with established accounting practices.

The role involves hands-on work with internal systems, subsidiary financial data, and vendor relationships. The analyst builds and maintains reporting tools, contributes to budgeting and forecasting, evaluates internal controls, and assists with capital planning, audits, and operational analysis.

Essential Duties: Specific duties include, but are not limited, to the following:

Planning

• Assist in formulating the company's future direction and supporting tactical initiatives.
• Provide financial analysis and forecasting, and reporting to the Director of Lending, CEO, and CFO on behalf of LDF Holdings.
• Implement and follow internal control policies to protect the assets of LDF Holdings and its subsidiaries.
• Develop performance measures that support the company's strategic direction.
• Proactively research and develop additional avenues for debt and equity financing.
• Analyze marketing trends, economic data, and industry developments to provide actionable insights to management.
• Collaborate with crossfunctional teams to assess the financial implications of business proposals and operational changes.
• Monitor financial performance metrics and provide recommendations for improvement.

Operations

• Maintain access to all TLE (Tribal Lending Entity) LMS Systems and INTACT (internal accounting portal) for the purpose of reporting financials and payment histories to Executive Management, Accounting, Auditors, and Board of Directors.
• Oversee the financial operations of LDF Holdings subsidiary companies.
• Implement operational best practices in coordination with Compliance and Vendor Relations.
• Provide analysis of vendor and provider expenses in relation to ROI strategies.
• Perform due diligence and manage the relationships with existing and potentially new banking partners or other 3rd party vendors which financial functions are outsourced to.

Risk Management

• Under the direction of the Director of Lending, CEO, and CFO on behalf of LDF Holdings, understand and mitigate key elements of the company's risk profile. Evaluate the level of risk associated with extending credit by assessing key financial indicators like profitability, liquidity, and leverage.
• Provide oversight and accountability to decisions regarding the release or issuance of financial information to external vendors, investors, and service providers.
• Construct and monitor reliable control systems.

Maintain appropriate insurance coverages.

• Ensure that LDF Holdings remains in compliance with all financially related legal and regulatory requirements and report risks and concerns to the Director of Lending, CEO, and CFO.
• Ensure that record keeping meets the requirements of auditors and regulating agencies.
• Maintain relations with external auditors and investigate their findings and recommendations.
• Manage the Annual 3rd Party Audit for Holdings and its subsidiaries.

Revenue Management

• Maintain secure financial access to all accounts relating to TLE operations and applicable financial accounts for LDF Holdings.
• Maintain access to applicable financial accounts to monitor activity, perform audits, approving wires, reconciling bill pays, completing transfers and processing payments to/from LDF Holdings.
• Oversee and coordinate with the CFO and Accounting Department on monthly journal entries for P&L’s and balance sheet activity.
• Coordinate with the Director of Lending, CEO, and CFO on the assessment and development of LDF Holdings Annual Budget.
• Review and approve all filings with Federal and State agencies, as applicable.
• Report financial changes, updates, audit results to the Director of Lending, CEO, and CFO.
• Monitor cash balances and cash forecasts.
• Represent LDF Holdings and its subsidiaries in securing additional capital with investors and banking partners.
• Create proformas and provide recommendations on investment and reinvestment strategy within Holdings to maximize revenue growth while mitigating risk.
• Supervise the due diligence and negotiation processes for acquisitions and investments.

Other duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Required Skills:

• Operate effectively and calmly under pressure in a fastpaced environment.
• Resolve complaints, concerns, and potential risks efficiently and accurately
• Analyze, create, and execute financial goals and operational budgets
• Possess superior written and oral communication skills with clients, vendors, direct reports, and peers.
• Practice effective and independent time management and organizational skills.
• Demonstrate exceptional leadership and interpersonal skills.
• Use discretion to make decisions independently for the good of the organization.
• Effectively delegate deadlines and projects with clear and concise directives.
• Motivate and collaborate in a team environment.
• Possess strong computer skills with proficiency in Microsoft Office.
• Ability to read and understand budgets and financials.

Supervisory Responsibility: This position does not have any direct supervision over other positions but will be required to provide guidance in decision-making as it relates to the financial success, risk management and growth of the entire company.

WORK ENVIRONMENT: This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and filing cabinets.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the team member is regularly required to talk and listen. This is a largely sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets, and bend or stand as necessary.

POSITION TYPE/EXPECTED HOURS OF WORK: This is a full-time and exempt position. Days and hours of the week are primarily M-F: 8:00 a.m. – 4:30 p.m. Occasional evening and weekend work may be required as role duties demand.

TRAVEL: Occasional travel is expected for this position.

REQUIRED EDUCATION AND EXPERIENCE:

• Associate degree in business administration, accounting, or finance.
• 57 Yrs. of Management Experience in Accounting/Finance Industry.
• Knowledge of accounting principles and financial regulations.
• Comprehensive knowledge of Tribal Business Operations and/or Tribal Law

PREFERRED EDUCATION AND EXPERIENCE:

• Bachelor’s degree in accounting or finance.
• Certified Public Accountant or Certified Management Accountant designations are desirable
• Experience in Lending Management is desirable

Native American preference will be applied to hiring of this position as defined in Title 25, U.S. Code, Chapter 14, Subchapter V, subsection 273 & 274. We are an equal opportunity employer with preference given to qualified Native American applicants in accordance with federal law and tribal policy.

Required Pre-Employment Screening: LDF Business Development Corp. is committed to a drug-free workplace. To qualify for this position, applicants must agree to pre-employment drug screening and potential random testing, as required thereafter.

About LDF Holdings LLC

In the fast-evolving world of Tribal Lending, LDF Holdings stands as a symbol of integrity, trust, and forward-thinking innovation. Every day, we strive to honor the trust placed in us by our clients and the Lac du Flambeau community. Our commitment to excellence is reflected in everything we do, from the delivery of cutting-edge financial products to our deep respect for the regulatory frameworks that govern our operations.