Financial Analyst

Job Summary:

The Financial Analyst is responsible for delivering data-driven insights to support deposit growth, product strategy, and treasury-related initiatives. This role focuses on analyzing deposit trends, customer behavior, pricing effectiveness, and product profitability to inform strategic decision-making. The Financial Analyst partners closely with the Chief Deposit Officer and deposit leadership to enhance product offerings, optimize treasury fee structures, and drive sustainable deposit growth across the bank.

Primary Responsibilities:

The duties listed below are some of the duties that may be assigned and may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.

Analyze deposit portfolio performance, including growth trends, run-off (churn), and customer segmentation across branches and markets

Evaluate product profitability, including cost of funds, fee income, and relationship-level contribution

Conduct treasury fee analysis to identify optimization opportunities, pricing gaps, and revenue enhancement strategies

Develop, maintain, and enhance standardized deposit dashboards and reporting packages for executive and operational use

Support pricing strategy through data analysis, modeling, and scenario planning for deposit rates, fees, and promotional campaigns

Identify emerging trends in customer behavior, product utilization, and competitive positioning

Work closely on Product Enablement to provide data related to deposit promotions, campaigns, and new product offerings

Provide actionable insights to improve customer retention and reduce deposit attrition

Support profitability and relationship analytics for treasury management and deposit products

Ensure data accuracy, consistency, and integrity across reporting and analytics platforms

Translate complex data into executive-level summaries, presentations, and actionable recommendations

Other duties as assigned

Supervisory Responsibilities:

None

Skills and Qualifications:

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines:

Bachelor's degree in Finance, Accounting, Economics, Data Analytics, or a related field required

2–7 years of experience in banking analytics, treasury, finance, or deposit product management preferred

Strong understanding of deposit products, treasury management services, and banking profitability metrics

Experience analyzing customer and product behavior, including pricing, fees, and retention drivers

Advanced analytical skills with the ability to interpret large datasets and identify meaningful trends

Excellent written and verbal communication skills, with the ability to present to senior leadership

Experience with data visualization and dashboard development (Power BI strongly preferred)

Familiarity with core banking systems, data warehouses, and financial reporting tools

Ability to manage multiple priorities and work independently in a fast-paced environment

Computer and Office Equipment Skills:

Microsoft Office Suite, with advanced proficiency in Excel (pivot tables, modeling, data analysis)

Power BI or similar data visualization tools

Experience working with data platforms (SQL, data warehouse environments, or analytics tools preferred)

Physical Requirements:

The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

Regularly required to sit, stand, walk, talk, and hear

Use of hands and fingers for computer and telephone operations

Mental Requirements:

Ability to analyze complex datasets and solve problems

Strong decision-making and critical thinking skills

Ability to organize and prioritize tasks effectively

Strong written and verbal communication abilities

Offered Benefits:

Medical

Dental

Vision

Employer Paid Life Insurance

Supplemental Life Insurance

Employee Stock Program

401K