Financial Planning & Analysis Analyst

Salary Grade:17

Summary

The FP&A Analyst supports financial planning, forecasting, reporting, and performance analysis across a multi-bank holding company. This role helps senior leadership understand financial results, evaluate strategic initiatives, and drive data-informed decision-making.

ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIES:

Financial Planning & Forecasting

- Support development of annual budgets and multi-year financial plans for the holding company and each subsidiary bank.

- Build and maintain financial models, including balance sheets, income statements, and capital planning models.

- Coordinate data submissions and assumptions from business units and bank subsidiaries.

Financial Performance Analysis

- Analyze consolidated and bank-level financial results, including NIM, loan and deposit trends, credit quality metrics, non-interest income, and operating expenses.

- Prepare monthly and quarterly variance analyses versus budget, prior year, and forecast.

- Identify trends, risks, and opportunities that affect profitability, efficiency, and capital levels.

- Track and report key performance indicators (KPIs) such as ROA/ROE, efficiency ratio, capital ratios, liquidity ratios, and loan growth.

- Ad-hoc reporting and analysis based on requests from management across the Bank (i.e. customer trends, unexpected deposit activity, fluctuations in banking activity, etc.)

Management Reporting

- Prepare monthly management level financial reports for ALCO, Executive Committee, the Board of Directors, and various Board Committees

- Prepare ad hoc executive dashboards and presentations for internal reporting

- Consolidate financials from multiple bank charters into clearly aligned management reports.

- Provide insights and recommendations to guide financial and operational decision-making.

Profitability Measurement and Business Analytics

- Assist the Director of Financial Planning & Analysis and Financial Planning & Analysis Manager in establishing, coordinating, and maintaining a Bank profitability measurement solution and for performing business analytics.

- Assist in the assessment of profitability measurement for Mutual Bancorp subsidiary banks to include:

Funds Transfer Pricing (FTP).

- Organizational profitability measurement of branches and profit and cost centers.

- Product profitability

- Customer profitability.

- Provide analysis and review of current product line profitability for management assessment.

- Assist in responding to ad hoc requests from Senior Management for business analyses

Data & Systems

- Maintain and enhance FP&A tools, reporting mechanisms, and financial databases.

- Work with Data & Analytics teams to improve data integrity, reporting accuracy, and automation.

- Support implementation or optimization of corporate planning software.

QUALIFICATIONS:

EDUCATION & CERTIFICATIONS: (Minimum education required to perform the duties of this position)

- Bachelors degree in Finance, Accounting, Economics, or related field.

EXPERIENCE:

- 2+ of experience in FP&A, corporate finance, banking finance, or related field.

KNOWLEDGE, SKILLS & ABILITIES:

- Strong financial modeling and analytical skills.

- Proficiency with Excel; experience with BI tools (Power BI, Tableau) preferred.

- Knowledge of banking financial statements, regulatory ratios, and bank performance drivers strongly preferred.

- Excellent communication skills—ability to distill complex information for executives.

- Strong attention to detail, organization, and cross-functional collaboration.

- Analytical thinking and problem solving

- Business and financial acumen specific to banking

- Ability to manage multiple deadlines

- Intellectual curiosity and proactive mindset

- High integrity and commitment to accuracy

COMPETENCIES:

- Must have cyber security awareness to protect the digital environment, the Bank, and customers.