Financial Planning Analyst

The FP&A Analyst supports the bank’s financial strategy, budgeting, forecasting, and performance reporting within a community banking environment. This role provides analytical insights, financial modeling, and clear financial reporting to support senior leadership decision-making, regulatory compliance, and effective balance sheet and profitability management. The position works closely with Finance, Accounting, Treasury, Lending, and Risk Management

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.

• Banking or financial services experience preferred (0–3 years for junior candidates).

• Hands-on experience with budgeting, forecasting, financial modeling, or financial analysis.

• Understanding of bank financial statements, loan and deposit products, and interest margin dynamics.

• Strong Microsoft Excel and Microsoft Office skills; experience with financial planning or ALM systems a plus.

• Strong analytical, organizational, and communication skills.

• Ability to manage multiple priorities and meet deadlines.

Key Responsibilities

• Support annual budgeting and long-range financial planning processes by gathering inputs, validating assumptions, and maintaining models and schedules.

• Prepare monthly, quarterly, and annual forecasts for the income statement, balance sheet, loans, deposits, and key performance indicators.

• Perform variance analysis against budget, forecast, and prior periods, and communicate key drivers.

• Develop and maintain financial models to evaluate performance, growth initiatives, and resource allocation.

Management & Board Reporting

• Prepare financial dashboards and management reports highlighting key trends, risks, and opportunities.

• Produce monthly Board financial reports, including financial performance summaries, key ratios, and portfolio analysis.

• Analyze loan portfolio activity (growth, mix, fundings, payoffs) and deposit trends (balances, flows, composition, and cost).

• Ensure accuracy, clarity, and timely delivery of all internal and Board-level financial materials.

Asset Liability Management & Liquidity

• Support quarterly Asset Liability Management (ALM) modeling and reporting, including interest rate risk, earnings-at-risk, and liquidity stress testing.

• Collect, validate, and maintain ALM data inputs and supporting documentation.

• Coordinate data and reporting needs with external ALM consultants.

• Monitor daily cash positions and assist with liquidity tracking, forecasting, and collateral monitoring.

Banking Performance & Risk Support

• Monitor and report on business unit profitability, net interest margin trends, and other key banking metrics.

• Assist with financial data and analysis required for regulatory reporting.

• Support internal audit, external audit, and regulatory examination requests.

Loan Funding & Operational Support

• Coordinate and validate loan fundings for policy compliance and financial accuracy.

• Maintain loan funding logs and assist with pipeline, maturity, and exposure reporting.

Policy, Controls & Collaboration

• Adhere to all bank policies, confidentiality standards, and regulatory requirements.

• Maintain documentation for budgeting, forecasting, ALM, liquidity, and reporting processes.

• Work closely with Accounting, Treasury, Risk Management, Lending, Credit, and Loan Operations.

• Present financial analysis and findings in a clear, concise, and actionable manner.

Benefits

• Competitive salary and performance-based incentives.

• Health, dental, and vision insurance.

• 401(k) with company match (after two years).

• Paid time off and holidays.

- This job description provides a general overview of the position. Duties and responsibilities may change based on business needs.