Financial Analyst

First Heritage Federal Credit Union is a leading employer and financial institution in the communities served, dedicated to both the success and financial well-being of our members and team members. We are a strong, growing, dynamic organization, operating nine full-service local locations, with total assets over $800 million. First Heritage is dedicated to being an employer of choice, offering a competitive salary, and exceptional benefits package. We also offer an array of options to continue your professional growth and development including an educational assistance program as well as supporting our team members to participate in external and internal leadership programs. We believe that supporting and empowering our team members in their personal growth is key to happiness and success, which in turn is passed on to our members and the community.

First Heritage provides a comprehensive benefits package including a competitive salary, generous 401(K) contributions, exceptional health/dental/vision plans and more.

Financial Analyst I:

Provide support to the Finance Department and work in partnership with the Accounting Department to achieve common departmental objectives. Assist with data maintenance, analysis, and reporting overseen by the Finance and Accounting departments. Reporting may include, but is not limited to, current expected credit loss (CECL), internal financial reporting, BOD reports, call report, budget and forecasts, Asset Liability Management (ALM), and business unit and product profitability.

JOB DUTIES:

THIS JOB DESCRIPTION MAY NOT BE ALL-INCLUSIVE AND EMPLOYEES ARE EXPECTED TO PERFORM ALL OTHER DUTIES AS ASSIGNED AND DIRECTED BY MANAGEMENT. JOB DESCRIPTIONS AND DUTIES MAY BE MODIFIED WHEN DEEMED APPROPRIATE BY MANAGEMENT.

EQUAL OPPORTUNITY EMPLOYER/VETERANS/DISABLED

KNOWLEDGE & SKILLS:

Experience:

2+ years of experience in banking required, or equivalent combination of education and experience. General understanding of interest rate risk and liquidity risk and approaches to quantifying and modeling these risks required, including knowledge of financial market instruments and regulatory requirements for banks. Experience with quantitative models used for risk management, including ALM and liquidity risk management preferred. Familiarity with financial database applications is desired.

Education/Certifications/Licenses:

Bachelor’s degree (B. A.) in Finance, Accounting, or Economics or relatable experience.

Interpersonal Skills:

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In depth dialogues, conversations and explanations with management, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

Other Skills:

Knowledge of accounting principles generally accepted in the United States of America, basic characteristics of financial assets and liabilities, and basic statistical analysis. Ability to work standard personal computers (including peripheral equipment), ten-key calculator, typing 30-40 words per minute, view a computer terminal for varying periods of time, and to learn and retain the proper use of office equipment, including facsimile machines and photocopies. Must be proficient with various PC software, including Excel. Strong ability to read, analyze and interpret financial reports and legal documents; performs complex calculations; effectively researches, analyze, and evaluates information to make decisions, solve problems and achieve goals; strong project management skills desired.

ADA REQUIREMENTS:

Physical Requirements:

Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions:

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements:

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.