Financial Analyst

San Jose, California, United States
Competitive salary
16 Sep 2020
17 Sep 2020

The Financial Analyst assists with the overall administration of asset/liability management (ALM), profitability and data analysis, budgeting and forecasting, investment processes, and management reporting at County Federal. The incumbent collects, researches, monitors and analyzes financial information to budget and forecast financial performance, spot trends, identify risks and make recommendations for improvements. Works with the Finance team under the Finance AVP to understand business drivers and organizational strategic direction to provide correct, timely and complete financial analyses.


To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience. BS degree in Finance and a range of 3-5 years related experience and/or equivalent combination of education and experience.

Certificates, Licenses, Registrations. None required or preferred.


• Assisting in preparing various source files and data for asset/liability management (ALM) analysis and working with a third party ALM vendor.

• Review and validate data as it is collected. Review data files to ensure integrity of data collection and utilization.

• Assisting in generating profitability analyses and forecasts for products and households using Marketing Customer Information File (MCIF) software.

• Creating and maintaining spreadsheets and use appropriate software to produce charts and graphs to illustrate technical reports and data visualization.

• Assisting with building financial models and performing valuation analyses.

• Assist in preparation of monthly management reports and dashboards.

• Assisting in creation of budgets and forecasts, keeping track of operating expense, capital expenditures, budget variances and coordinate interdepartmental dialogs during the process.

• Recommending actions by analyzing and interpreting data and making comparative analyses, generating useful reports based on findings.

• Maintaining databases or data systems, as well as identifying new process improvement opportunities.

• Comfortable with compiling, interpreting, and reporting on information on a wide range of topics

• Experience with data collection process and integration of core and third-party data

• Perform audits and identify inaccuracies in data sets and communicate the existence of discrepancies to management

• Perform analysis of datasets, build accurate data maps, and conduct regular data validation to support the Company's control framework

• Monitoring fundamental micro and macroeconomic, industrial, and corporate developments through the analysis of information obtained from financial publications, and services, investment banking firms, government agencies, trade publications, company sources, and personal interviews.

• Forecasting cash flow positions, related borrowing needs, and available funds for investment.

• Assisting in managing Vendor Management compliance process, including maintaining and storing updated contracts, contract renewal dates are communicated to responsible business unit leaders beforehand, and vendor service level agreement performance is tracked and analyzed.

• Ensuring compliance with internal controls, policies and procedures; Ensuring that operations are conducted in accordance with established Credit Union policies, legal and regulatory requirements, including, but not limited to, understanding of the compliance with the Credit Union's Bank Secrecy Act (BSA)- Anti Money Laundering (AML) program.


• Strong analytical, problem-solving and organizational skills required.

• Excellent attention to detail.

• Must exhibit a significant level of trust and diplomacy in addition to normal courtesy and tact.

• Requires broad conceptual judgment, initiative, and ability to deal with complex finance issues.

• Maintain current knowledge and understanding of industry trends and practices.

• Must be proficient in Microsoft Office Suites, specifically MS Word and Excel with the aptitude to easily learn other software programs.

• Ability to analyze large datasets.

• Experience or understanding of system integration, data warehousing, data mining, and data mapping.

• Excellent verbal and written communication skills required. Work will require extensive personal contact with others.

• Ability to work independently.

• Ability to manage multiple priorities concurrently, and complete projects on schedule with a high degree of accuracy.

• Ability to work well under pressure, show initiative, deliver results, achieve timely goals, set appropriate priorities and maintain complete confidentiality.

• Ability to demonstrate commitment to self-improvement by taking the initiative of learning new skills, systems and procedures as well as taking advantage of the continuous education opportunities within and outside of the Credit Union

• Hungry: Always looking for more. More things to do. More to learn. More responsibility to take on. Self-motivated and diligent. Constantly thinking about the next step and the next opportunity.

• Humble:Lack excessive ego or concerns about status. Quick to point out the contributions of others and slow to seek attention for self. Shares credit emphasizes team over self and define success collectively rather than individually.

• Smart:Have common sense about people. Tend to know what is happening in a group situation and how to deal with others in the most effective way. Demonstrates good judgment and intuition around the subtleties of group dynamics and the impact of their words and actions.


The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position is in an office environment with quiet to moderate noise levels.

• Full-time hours required, with additional work hours as necessary to accomplish objectives, goals, and projects.

• Regularly required to talk and hear.

• Frequently required to sit, use hands and fingers, be able to handle, or feel and reach with hands and arms.

• Occasionally required to stand and walk.

• Occasionally lift and/or move up to 10 pounds.

• Specific vision abilities required by this job include close vision, color vision, and ability to adjust focus.


County Federal does not discriminate in employment opportunities or practices on the basis of race, color, religion, creed, sex, national origin, age, disability, marital status, pregnancy, childbirth, breastfeeding or related condition, ancestry, medical condition including genetic characteristics, veteran or military status, sexual orientation, gender expression, any persons holding an undocumented "AB" 60" driver's license, or any other characteristic protected by law. This provision also includes the perception that anyone has any of the above characteristics or is associated with a person who has or is perceived as having any one of these characteristics. All such discrimination is unlawful.

This job description is not an exclusive or exhaustive list of all job functions that an employee in this position may be asked to perform from time to time. Santa Clara County Federal Credit Union reserves the right to revise or change job duties and responsibilities as the need arises.