Financial Analyst

JOB REQUIREMENTS: Reporting to the Vice President of Finance, the

Financial Analyst will focus on the product pricing and profitability,

as well as balance sheets, including fixed income risk/reward analysis.

This strategic position leads the bond analysis along with the

administration of Current Expected Credit Losses (CECL) modeling

requirements. The Financial Analyst will provide insight to senior

management on concentration recommendations. Principal Duties and

Responsibilities: Monitor loan portfolio performance, concentrations,

and trends to identify emerging risks. Able to analyze large data sets

leveraging credit risk analytics platform to review loan pools. Analyze

the performance of loan portfolios, including usage, delinquency,

charge-offs, ROI of reward programs, and dealer relationships. Recommend

strategies to enhance profitability, engagement, and growth. Conduct

independent fundamental research and analysis on assigned

companies/sectors, develop financial models, and provide investment

recommendations, credit ratings and outlooks Cultivate and maintain

strategic relationships with broker-dealers. Collaborate closely with

the accounting to identify compelling investment opportunities,

emphasizing relative value analysis from both issuer and sector

perspectives. Deliver monthly, quarterly, and ad hoc reports to senior

leaders with interpretation of results and actionable recommendations.

Drives innovation and continuous improvement across financial

operations, ensuring efficiency, scalability, and adaptability in

support of the Credit Union\'s mission. Evaluate secondary market

pricing and investor guidelines (e.g., Fannie Mae), and support pricing

strategy development to improve margin optimization. Lead the production

process of the monthly Current Expected Credit Loss (CECL) estimation

using 3rd party vendor application including data validation. Monitor

and report on credit risk exposures and trends. Provide recommendations

to mitigate potential credit risks. Monitor financial markets, current

events, and economic trends to identify opportunities and risks Partner

with accounting to identify and evaluate portfolio investment

opportunities. Communicate market intelligence and facilitate strategic

allocation of securities based on comprehensive market analysis. Perform

model back testing, sensitivity analysis and scenario analysis along

with providing support to address model validation findings. Provide

analytical support for the model validation, business reviews, audit

reviews and ad-hoc requests. Serve as a subject matter expert for CECL

assumptions and macroeconomic variable integration in forecasting

models. Work Relationships and Scope: Reports directly to the Vice

President of Finance. Will have regular contact with employees of the

Finance Department. Performance Dimensions: Must maintain the integrity

of confidential business information and follow all guidelines on

confidentiality. Provide outstanding services to co-workers & members.

Possess the ability to attend to numerous details with frequent

interruptions under the stress of maintaining courteous, effective, and

timely relations with a variety of individuals and personalities.

Promotes quality, accuracy, timeliness, reliability, and thoroughness of

work performed. Is punctual, flexible, reliable, and demonstrates a

friendly and helpful attitude. Possess ability to gain the trust and

respect of members, management, and employees. Also maintains a

positive, professional, team-oriented working relationship with staff

and outside vendors. Enhance job growth through continuing education, as

required or necessary. \*\*\*\*\* OTHER EXPERIENCE AND QUALIFICATIONS:

Strong analytical and problem-solving abilities with attention to detail

Excellent communication skills with a track record of presenting to

senior stakeholders Ability to work in a high production environment and

respond quickly and ef ectively under pressure, changing priorities, and

tight timelines/deadlines. Ability to lead within a team environment to

make rational, timely decisions with accountability. High degree of

accuracy, attention to detail, integrity, work ethic, and willingness to

learn. Ability to learn new software products and think creatively to

find new solutions/efficiencies. Ability to work with a wide range of

personalities in a courteous, effective, and efficient manner. Knowledge

and ability to apply current financial service industry standards, laws,

and regulations. Ability to present ideas, report facts and other

information clearly and concisely. Proficient knowledge of the Microsoft

Suite (Outlook, Word, Excel, PowerPoint). Proficient operation of a

variety of general office equipment such as a computer, software

applications, typewriter, calculator, telephone, copy machine, fax

machine and other similar devices or programs related to the position.

\*\*\*\*\* APPLICATION INSTRUCTIONS: Apply Online:

https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union