Senior Financial Analyst - Community Banking

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The Position

Job Title

Senior Financial Analyst - Community Banking

Job Description

Position Overview

The Senior Financial Analyst - Community Banking is a member of the bank's FP&A team, providing financial planning and analysis support to the bank's core business units: Lending, Retail Banking & Deposits, and Treasury Management. This role is central to the monthly financial close, forecasting, and business performance processes that keep leadership informed and the institution on plan.

A defining characteristic of this role is its operational versatility. The analyst is expected to function simultaneously as a capable strategic thinker - able to surface insights, flag risks, and communicate performance narratives to senior leaders - and as a productive individual contributor who executes high-volume analytical and reporting work, increasingly with the support of AI tooling. The ideal candidate moves comfortably between directing analysis and doing it, without requiring close supervision at either level.

Business Unit Coverage

Lending

Support financial performance analysis across commercial, consumer, and mortgage lending portfolios.

• Loan origination volume and pipeline forecasting
• Net interest income (NII) and margin analysis
• Credit loss provisioning and reserve tracking
• Charge-off and delinquency trend analysis
• Yield and spread performance vs. budget

Retail Banking & Deposits

Partner with retail leadership on deposit performance, customer economics, and branch profitability.

• Deposit balance forecasting by product type
• Cost of funds and rate sensitivity monitoring
• Retail fee income analysis
• Customer acquisition cost and relationship profitability
• Branch-level P&L reporting support

Treasury Management

A customer-facing, fee-generating line of business - not the corporate treasury function. Treasury Management delivers the products and services that help commercial and small-business clients run their day-to-day finances: managing accounts, moving and collecting payments, and optimizing working capital. This role provides the financial analysis that helps leadership grow and manage the profitability of that business.

Analytical focus areas

• Fee income analysis and forecasting across treasury management products
• Product adoption, penetration, and usage trends (ACH, wires, lockbox, positive pay, merchant services)
• Customer and segment profitability, with emphasis on small-business relationships
• Pricing performance and account analysis economics
• Client growth, attrition, and retention metrics
• Revenue contribution vs. budget and prior year

Key Responsibilities

Monthly Reporting & Financial Close

• Prepare monthly divisional financial packages for the Banking Division, including P&L, variance analysis, and executive commentary
• Own the month-end close reporting calendar across all three business units, coordinating with accounting and business line partners
• Build and maintain management reporting templates, dashboards, and recurring deliverables
• Translate financial results into concise narratives that explain drivers, risks, and trends to non-financial stakeholders
• Identify and resolve data discrepancies between source systems and financial statements

Forecasting & Budgeting

• Lead the FP&A contribution to annual budgeting and multi-year planning cycles for all three business units
• Maintain rolling forecast models that incorporate rate environment shifts, volume trends, and strategic initiatives
• Update balance sheet and income statement projections monthly based on actuals, pipeline data, and management assumptions
• Support scenario and sensitivity modeling for strategic decisions such as rate changes, product launches, or M&A activity
• Prepare forecast packages and presentations for the CFO, executive leadership, and Board-level reporting

Business Partnering & Insight Generation

• Act as the primary FP&A point of contact for business unit leaders, providing proactive financial analysis, not just reactive reporting
• Develop insights from financial data that support operational decision-making - identifying growth levers, cost pressures, or performance anomalies
• Present findings clearly in both written and verbal formats tailored to the audience
• Participate in business reviews, strategic planning sessions, and cross-functional projects as the finance voice for the Banking Division

AI-Assisted Analysis & Workflow Efficiency

• Leverage AI tools (including large language models, automation platforms, and intelligent analytics) to accelerate reporting, modeling, and insight production
• Design and refine AI-assisted workflows to improve the throughput and consistency of recurring FP&A deliverables
• Maintain strong judgment about when AI output requires human review, validation, or escalation - functioning as an editor and quality controller of AI-generated work
• Champion productivity improvements within the FP&A team through process automation and tool adoption

Data Integrity & Systems

• Maintain and improve financial models, ensuring version control, documentation, and auditability
• Work with data and technology teams to improve data quality, source reliability, and system integration
• Support ongoing improvements to the FP&A technology stack (e.g., Workday Adaptive, Anaplan, Essbase, or similar EPM platforms)

Key Partners

This role works closely with leaders across finance and the banking organization. The table below outlines the primary partners and their general areas of responsibility.

Partner - Bank CFO

Role & Focus - Senior finance leader for the bank; primary internal client for divisional reporting, forecasting, and performance insights. A key recipient of this role's analysis and packages.

Partner - Chief Banking Officer

Role & Focus - Executive accountable for the overall banking business; relies on accurate, well-framed financial analysis to steer strategy across the lending, deposit, and treasury management lines.

Partner - Community Bank Leadership (Markets & Regionals)

Role & Focus - Market presidents and regional leaders who manage local banking performance. Primary audience for the President's Books and scorecards used to monitor results and make decisions.

Partner - Enterprise CFO

Role & Focus - Top finance executive for the broader organization; consumes divisional results as part of consolidated enterprise reporting and planning.

Partner - FP&A Group

Role & Focus - The analyst's home team. Collaborates on close, forecasting, budgeting, model standards, and shared reporting infrastructure; source of peer review and escalation.

Partner - Line of Business Leads & Senior Leaders

Role & Focus - Heads and senior leaders of Lending, Retail Banking & Deposits, and Treasury Management; day-to-day business partners who rely on this role for performance analysis and planning support.

Key Artifacts & Deliverables

This role is responsible for producing a defined set of recurring reports and materials that leadership depends on to monitor performance and make decisions.

Artifact - President's Books

Description - A holistic, consolidated package that gives community bank leadership the full picture of the reports, metrics, and information they need to stay informed and make decisions. Combines financial results, business unit performance, and key narratives into a single executive resource.

Artifact - Balanced Scorecards

Description - Performance scorecards for the bank's business units that track results against goals across financial and operational dimensions. Used to monitor progress, highlight variances, and drive accountability.

Artifact - Monthly Reporting Package

Description - The divisional month-end financial package - P&L, variance analysis, and executive commentary across Lending, Retail Banking & Deposits, and Treasury Management.

Artifact - Forecast & Budget Packages

Description - Rolling forecast updates and annual budget materials for the Banking Division, including assumptions, scenario views, and presentation-ready summaries for the CFO and leadership.

Artifact - Business Unit Performance Reviews

Description - Recurring deep-dive analyses for individual business units, surfacing drivers, trends, and opportunities to support line-of-business decision-making.

Role Profile: Dual-Mode Operating Model

This role is designed to operate effectively at two distinct levels - often within the same week or the same day. The table below describes both modes and the expectations at each.

Mode - Strategic Layer

What it Looks Like - Presenting to the CFO on deposit margin compression. Advising the Lending head on how rate assumptions shift the 2026 NII forecast. Flagging a liquidity trend before it becomes a Board-level concern.

Key Behaviors Expected

• Generates insights proactively, not just reactively
• Communicates with confidence to senior audiences
• Connects financial data to business decisions
• Operates with minimal direction

Mode - Execution Layer

What It Looks Like - Building the monthly reporting package from scratch. Updating forecast models after an interest rate decision. Producing and quality-checking AI-assisted output before it reaches a stakeholder.

Key Behavior Expected

• High personal output - builds materials, not just reviews them
• Proficient with AI tools to multiply work product
• Detail-oriented; catches errors before they escalate
• Comfortable with volume and deadline pressure

Competency Framework

Each competency is rated on a 1-5 scale: 1 = not needed, 2 = basic awareness, 3 = working proficiency, 4 = advanced, 5 = mastery.

Competency Rating (1-5)

Financial Modeling & Forecasting 5

Self-Direction & Ownership 4

Business Communication & Storytelling 3

Data Analysis & Visualization 4

AI Tool Proficiency 3

Problem Solving & Insight Generation 4

Banking Product Knowledge 2

Stakeholder & Partner Management 3

Technical Systems (EPM /BI) 2

Qualifications Required

• Bachelor's degree in Finance, Accounting, Economics, or related field
• 3-6 years of FP&A experience, preferably in financial services or banking
• Direct experience supporting multiple business units or product lines
• Strong financial modeling skills in Excel; familiarity with EPM tools
• Demonstrated ability to prepare and present executive-level financial packages
• Working knowledge of banking fundamentals: NII, net interest margin, deposit pricing, loan loss provisioning
• Comfortable working in a fast-paced environment with hard monthly deadlines Preferred
• Experience in a regional bank, community bank, or financial holding company
• Exposure to all three coverage areas: lending, retail/deposits, and treasury
• CFA, CPA, or FP&A certification (AFP)
• Experience with AI-assisted financial workflows or prompt engineering for analytical tasks
• Familiarity with regulatory reporting environments (call reports, FDIC, OCC)
• Graduate degree in Finance, MBA, or related discipline
• Experience analyzing fee-based or transaction-driven product lines (e.g., treasury management, payments, cash management)

Technology & Tools

• Microsoft 365 (Excel, PowerPoint, Teams)
• EPM platform (Accounting systems, Financial Management systems)
• Core banking and data warehouse systems
• AI productivity tools (LLM platforms, automation software)
• BI tools (Power BI, Tableau, or similar) Working Style Fit
• Thrives in ambiguity; comfortable structuring problems without a predefined playbook
• Equally motivated by strategic synthesis and detailed execution
• Strong ownership mentality - takes responsibility for the accuracy and quality of all output
• Collaborative across finance, operations, and technology teams
• Continuously learning; interested in applying new tools and methods to finance work

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

All Locations:

Durant-Corporate, Plano-Parkwood

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at HR@firstunitedbank.com for assistance.

First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.