Deposit Product Analyst

About Us:

At USALLIANCE, we pride ourselves on innovation, teamwork, training and development and career planning. As part of our team, you will have the opportunity to grow both personally and professionally in an inclusive and supportive environment. Represent USALLIANCE in the community and form lasting relationships with our members and partners.

About This Role:

As a member of the finance team, you will analyze competitive trends and support USALLIANCE’s objectives of having highly competitive and market-leading deposit products. You will collaborate closely with finance, marketing, and other technical teams to develop and implement data-driven strategies aimed at driving growth and profitability. You will play a significant role in shaping deposit product features and recommending pricing to ensure USALLIANCE delivers exceptional deposit products for its members.

Key Responsibilities:

• Monitor competitors and market trends to identify competitive strengths, weaknesses, and opportunities for deposit product improvement and growth.
• Collaborate with cross-functional service and technical teams to implement product feature changes, focusing on target demographic needs, product feature benchmarking, service delivery, and profitability.
• Analyze trends in membership growth, deposit flows, and service execution and make recommendations for deposit product or feature enhancements.
• Use financial tools to measure, monitor, and forecast interest and non-interest expenses attributed to deposit products and to support planning and decision-making.
• Contribute to the preparation of the monthly cash flow forecast report by analyzing and projecting deposit flows and month-end balances.
• Assist in preparing monthly financial reports for senior management and the board of directors.
• Remain current with applicable laws and regulations to ensure ongoing compliance.

Who you are:

• Must have minimum of 4 years of product analyst or related experience.
• Bachelor’s degree in accounting, finance, or a related field.
• Experience in financial analysis, preferably in the financial services sector.
• Proven ability to extract data, build reports, and interpret results.
• Analytical and problem-solving skills, with demonstrated capability to analyze complex data sets and derive actionable insights.
• Communication and presentation skills, with proficiency in conveying complex information clearly and concisely.
• Proficiency in financial and data analysis tools, such as Microsoft Excel. SQL is a bonus.
• Familiarity with financial industry regulations and compliance standards.
• A passion for digital innovation and a strong desire to make a meaningful impact on the future of finance.

What We Offer:

• Competitive salary and benefits package
• Opportunities for professional development and career growth
• Hybrid Schedule (min 3 days in office to maximize collaboration)
• A collaborative and inclusive work environment
• Paid Time Off, Wellness Time & Paid Federal holidays
• 401K with 6% match
• High Performance Culture

Become a part of a team where your ideas are valued, your growth is supported, and your work makes a difference. Apply today and take the next step in your career with USALLIANCE.

EQUAL OPPORTUNITY EMPLOYER

USALLIANCE Federal Credit Union, as an Equal Opportunity Employer, values and supports the diverse cultures, perspectives, skills, and experiences within our workforce.

This job description is for informational purposes only and should not be construed as a complete listing of the job responsibilities and requirements. This job description may be modified at any time, for any reason, at the sole discretion of management.

At this time, USAlliance Federal Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position (i.e., H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization).

If you need sponsorship now or in the future, look for this statement in the job description before you apply: “USAlliance Federal Credit Union will consider sponsoring a new, qualified applicant for employment authorization for this position”. If this is not listed in the job description, USAlliance Federal Credit Union will not provide sponsorship for the candidate to work in the United States.

It is unlawful for USAlliance to require or administer a lie detector test as a condition of employment or continued employment. In accordance with applicable state laws, an employer who violates this law shall be subject to criminal penalties and civil liability.

In the spirit of pay transparency, we are excited to share the base salary/hourly range for this position is $73,979.75 - $94,324.18, exclusive of fringe benefits or potential incentives. This position is also eligible for an annual corporate bonus. If you are hired at USALLIANCE Federal Credit Union, your final base salary compensation will be determined based on factors such as skills, education, and/or experience. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current team members as a part is any final offer. Please keep in mind that the range mentioned above is the full base salary for the role. Hiring at the maximum of the range would not be typical to allow for future and continued salary growth. We also offer a generous compensation and benefits package.

All positions must adhere to standard BSA/AML policies, procedures, and processes. Employees must demonstrate awareness of business functions and how business decisions affect financial and/or non-financial work results.