Financial Analyst

Position Summary

The Financial Analyst supports the credit union’s balance sheet risk management, financial analysis, forecasting, and reporting activities by preparing accurate data and analysis related to ALM, liquidity, interest rate risk, investment portfolio performance, funding needs, and financial trends. This role maintains and reconciles data across core, reporting, budgeting, and modeling systems; prepares recurring and ad hoc reporting for management decision-making; and partners with internal stakeholders to support sound financial strategy, regulatory readiness, and the credit union’s long-term financial strength.

Essential Duties/Responsibilities

• Prepares, analyzes, validates, reconciles, and maintains financial data from the core system, third-party vendors, and internal sources for use in balance sheet risk management, forecasting, budgeting, ALM modeling, financial reporting, and strategic analysis.
• Supports asset/liability management and balance sheet risk activities, including assumption development, scenario and sensitivity analysis, interest rate risk modeling, net interest income analysis, economic value of equity/net economic value reporting, and monitoring of related balance sheet trends.
• Prepares recurring and ad hoc reporting for management, including analysis of liquidity, funding, investment portfolio performance, interest rate risk, financial performance, key risk indicators, peer data, and market trends.
• Performs investment portfolio analysis and reporting, including review of investment activity, income, yield, duration, market value changes, policy limit monitoring, related accounting entries, research of alternatives, and recommendations as appropriate.
• Develops, measures, and monitors cash flow projections, liquidity trends, funding sources, contingency funding needs, and liquidity stress testing to support operational, strategic, regulatory, and policy expectations.
• Provides analytical support for the annual operating plan, forecasting model, return on investment analysis, loan participation activity, and other financial planning initiatives.
• Partners with Finance, Accounting, Lending, Operations, third-party providers, auditors, and examiners to gather data, validate assumptions, explain trends, resolve variances, respond to requests, and support informed financial decision-making.
• Supports compliance with applicable regulatory guidance, internal policies, risk limits, documentation standards, internal controls, audit requirements, and examination requests related to liquidity, investments, interest rate risk, financial reporting, and balance sheet management.
• Performs other job-related duties as assigned by the Manager of Market Risk while promoting strong, positive, and productive working relationships aligned with Georgia United’s purpose, mission, and core values.

Statement of Understanding

This job description is intended to provide a general overview of the essential duties, responsibilities, requirements, and working conditions associated with the position. It is not intended to be an exhaustive or comprehensive list of all tasks or responsibilities.  The organization may assign additional duties or modify existing ones as needed, at its discretion. Job descriptions may be updated periodically to reflect business needs and organizational changes.

Reasonable accommodations may be made in accordance with the Americans with Disabilities Act (ADA) and other applicable laws, so long as such accommodations do not pose undue hardship to the organization or create significant health or safety risks.

Nothing in this job description should be construed as creating an employment contract, either expressed or implied. Employment remains at-will, meaning that either the team member or the organization may end the employment relationship at any time, for any reason not prohibited by law.

Equal Employment Opportunity (EEO)

Georgia United is committed to providing equal employment opportunities and fostering a workplace where all individuals have the chance to succeed. We consider all qualified applicants for employment and advancement without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. We value the unique perspectives and contributions that each team member brings to our organization, believing that a diverse and inclusive workforce strengthens our credit union.

E-Verify

Georgia United participates in the U.S. Department of Homeland Security’s E-Verify program. E-Verify is an online system used to confirm the eligibility of employees to work in the United States. This process involves electronically verifying the information provided by new hires against records maintained by the Department of Homeland Security and the Social Security Administration.