Senior Financial Analyst

Pacific Service Credit Union

Senior Financial Analyst responsible for financial reporting and analysis at Pacific Service Credit Union. Ensures effective forecasting and data-driven insights for business planning and decision-making.

Posted 7/7/2026full-timeConcord • California • 🇺🇸 United StatesSenior💰 $102,700 - $134,820 per yearWebsite

About the role

Key responsibilities & impact

Prepare monthly financial reports and exercise independent judgment to analyze financial results, identify trends, and communicate meaningful insights.
Automate and optimize the processes involved in the preparation of financial reports.
Lead key components of the forecast process by collaborating with departments to analyze business drivers and keep operating expense, production, and revenue forecasts up to date.
Develop analytical frameworks to identify and evaluate key drivers of performance.
Develop, maintain, and enhance complex and dynamic financial models for the forecasting and planning processes.
Analyze loan and deposit portfolio performance, margin trends, and non-interest income/expense drivers.
Prepare financial analysis on enterprise projects and initiatives utilizing fundamental finance concepts, like Net Present Value (NPV) analysis, to evaluate organizational opportunities and support recommendations.
Analyze and interpret variances in actual performance compared to budget and forecasts.
Assist in development of product profitability and pricing models.
Collaborate with cross-functional teams to gather financial information and make recommendations to improve business performance.
Demonstrate strong critical thinking, analytical, and problem-solving skills.
Contribute to company innovation and continuous improvement.
Foster a culture of evolution by adapting to changes, optimizing processes, and contributing to the growth and success of the organization.
Demonstrate accountability in your work by taking ownership of responsibilities, setting clear goals, meeting deadlines, and delivering high-quality results.
Act with integrity, follow through on commitments, and uphold professional standards.
Support and uphold company culture by aligning your work with the credit union’s mission and values, contributing to a positive, high-performing environment.
Comply with all anti-money laundering laws, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act, as well as all related policies and procedures.

Requirements

What you’ll need

Bachelor’s degree in Finance, Economics, or related field, required.
Minimum five (5) years of experience in FP&A or finance division, preferably within the financial services industry.
Advanced proficiency in Excel and other Microsoft Office applications.
Excellent oral and written communication skills, required.
Must be proficient in computer programs (e.g., Microsoft Office Suite).

Benefits

Comp & perks

Health insurance coverage: We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.
401k: We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. In addition, we match 75% of your contributions up to the first 3% of eligible compensation beginning after your first day of employment and up to 6% after three years of service.
Bonus program: All employees are rewarded for attaining our annual organizational goals.
Tuition Reimbursement program for employees eligible after six months of service.
Recognition program where employees can be nominated by management, their peers or by members.
Employee referral bonus.
Student Loan Repayment Assistance: Contributions toward your student loans every month by the credit union after six months of service. Employees are eligible to receive a consumer loan rate discount.
Vacation and sick time: Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave.

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Hard Skills & Tools

Financial AnalysisForecastingFinancial ModelingNet Present Value (NPV) AnalysisBudget Variance AnalysisProduct Profitability ModelingProcess AutomationTrend AnalysisPerformance EvaluationData Analysis

Soft Skills

Critical ThinkingProblem-SolvingCommunicationAccountabilityCollaboration