Job Description

SUMMARY

As an integral member of the accounting and finance team, the Senior Financial Analyst position is responsible for various loan, deposit, and other reporting to Senior Management. This individual must have loan accounting experience and must have a strong working knowledge of Excel to provide analytics on these portfolios.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Prepare various Bank Loan and Deposit Reports, including Deposit Change, Deposit Trend and Deposit Ranking Reports, for Senior Management.
• Manage and prepare the Bank’s quarterly incentive reports for management.
• Develop, enhance, and automate the Bank’s incentive reporting processes from excel-based reports to advanced data visualization tools such as Power Bi, Tableau, or similar platforms to improve data accessibility.
• Support the preparation, analysis, and distribution of internal and external financial reports in accordance with regulatory standards.
• Assist in drafting and reviewing financial report commentary, providing insights and context to support key performance metrics and financial trends.
• Prepare and analyze loan portfolio reports, including loan performance, delinquency, and risk assessment.
• Assist in developing and maintaining loan and deposit models for forecasting and stress testing purposes.
• Coordinate with CFO, CCO, and management team to retrieve historical and create prospective loan analytics to monitor loan performance.
• Identify trends, patterns, and potential risks within loan and deposit portfolios and provide recommendations for mitigating risks or improving performance.
• Prepare Call Report support schedules related to Loans, Allowance for Credit Loss (ACL) and Loan Income
• Prepare and analyze ALCO reports, providing key insights on balance sheet trends, liquidity, interest rate risk, and capital position to support the CFO and executive management.
• Prepare quarterly Regulation F reporting.
• Communicate findings and recommendations to senior management through written reports and presentations.
• Other ad-hoc reports requested by management.

ADDITIONAL RESPONSIBILITIES

• Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers, and management.
• Demonstrates high level of quality work, attendance, and appearance.
• Adheres to all Company Policies& Procedures and Safety Regulations.
• Adheres to local, state, and federal laws.
• Understands and complies with all company rules and regulations.
• Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to this position and its job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
• Additional duties assigned as it relates to the position.

SUPERVISORY RESPONSIBILITIES

This position does not have supervisory responsibilities.

MINIMUM QUALIFICATIONS

• BA/BS in Finance, Business or related field required.
• 3-5 years of experience in the financial services industry, preferably within the banking.
• Expert knowledge and skills in all aspects of Microsoft Excel (Tables, Pivot Tables, and complex calculations, etc.).
• Highly developed attention to detail.
• Well-versed in Generally Applied Accounting Principles (GAAP), Accounting Standards Codification (ASC), and Financial Accounting Standards (FAS).
• An analytical, working understanding of loan and bond accounting.
• Excellent analytical skills with the ability to interpret complex financial data and provide actionable insights.
• Ability to deal with complex problems involving multiple departments, individuals, and variables.
• Ability to work effectively both independently and as part of a team, collaborating with various business lines.

COMPETENCIES:

• Adaptability
• Analytical
• Communication
• Decision Making
• Initiative
• Innovation
• Motivator
• Organization
• Professionalism
• Results Orientated

PHYSICAL DEMANDS: In general, the following physical demands 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 allow differently abled individuals to perform the essential functions of the job.

• Standing, walking, and squatting less than fifty percent of the work shift.
• Required to lift, move, and carry up to 40 pounds.
• Ability to read, count and write to accurately complete all documentation and reports.
• Must be able to see, hear and speak to communicate with employees and other customers.
• Specific vision abilities include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.
• Manual dexterity required using hands to finger; handle, feel and type; reach with hands and arms. (Check the box that applies by double clicking on the box.)

Sedentary: Limited activity, no lifting, limited walking Moderate: Mostly standing, walking, bending, frequent lifting

X :Light: Office work, some lifting, bending, stooping or kneeling, walking

Arduous: Heavy lifting, bending, crawling, climbing

WORK ENVIRONMENT: In general, the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differently abled individuals to perform the essential functions of the job within the environment.

• The workspace is clean, orderly, properly lighted and ventilated with the proper safety compliance.
• Noise levels are considered moderate.

Sunwest Bank Is an Equal Opportunity Employer

Sunwest Bank works with staff members and customers without regard to race, ancestry, national origin, sex, marital status, age, religion, medical condition, handicap, disability, or veteran status and to assist the Bank in maintaining its Affirmative Action Program.

Compliance with Bank Secrecy Act laws and regulations is considered an extremely serious matter, and it is intended that Sunwest Bank, through the purposeful efforts of its employees and officers, are expected to make every resolute attempt to conform to its Bank Secrecy Act Program and Procedures. Failure to comply will be reflected in their performance review as well as in any bonus compensation programs in which they may participate.

Attend and complete all required classroom, computer-based, web-based and seminar training. It is the individual responsibility of every employee to maintain a current awareness and understanding of and to fully comply with Sunwest Bank’s “Code of Ethics and Conduct.” Each employee is also expected to maintain an awareness of the laws, regulations, internal policies and procedures that are appropriate for his/her position.

Note: The preceding job description has been designed to indicate the general nature and level and work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. All job descriptions can be amended without notice as warranted by business necessity.

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