Financial Analyst

About Gulf Winds

Gulf Winds Credit Union offers innovative financial tools that give our members freedom to live life with their finances under control. Since our founding in 1954, we have grown from a single branch in Pensacola, Florida, to a regional institution with over $1 billion in assets and 83,000+ members across Florida, Alabama, and Georgia. From daily banking needs to investment services, our members aren’t treated like an account number, but as part of the family.

Our Values

We are guided by our core values of Integrity, Care, Growth, and Innovation and are dedicated to our members, our community and each other.

Integrity 

We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

Care

We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

Growth

We set ambitious goals, provide personal development opportunities, and encourage results.

Innovation

We challenge the status quo to enhance the member’s experience and solve tomorrow’s challenges today.

Working at Gulf Winds

Working at Gulf Winds is not just a job, it’s a career. We’re hiring collaborative, motivated people who want to love what they do. We are forward-thinking and family oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

    · Open and transparent communication with your leaders

    · Consistent coaching and opportunities to improve performance.

    · Collaborative and team-focused environments

    · Short and long-term professional development

    · Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast!

Role:

Supports the Vice President of Finance in delivering financial analysis, modeling, and reporting to drive strategic decision-making across the credit union. This role is responsible for maintaining and enhancing the Axiom financial management system, financial models, supporting Asset-Liability Management (ALM), liquidity analysis, budgeting, forecasting, and profitability. Through careful analysis, this position provides recommendations to management for achieving strategic objectives. Works cross-functionally with multiple departments within the organization to support accurate, timely, and actional financial insights.

Essential Functions & Responsibilities:

25%    Financial Modeling and Analysis - Support and maintain the Axiom Financial Information System in order to provide timely modeling and analysis supporting budgeting, forecasting, profitability, and strategic objectives. Analyze financial performance relative to budget, forecast, and prior periods in order to identify key drivers and variances. Support development of scenario analysis for balance sheet strategy, pricing decisions, and growth initiatives. Assist in evaluating product profitability, funding costs, and margin impacts.

20%    Budgeting and Forecasting - Assist in development and maintenance of the annual budget and periodic forecasts within the Axiom Financial Management System. Support variance analysis and forecasting updates based upon business performance and changing assumptions. Maintain supporting schedules and documentation for budget and forecast assumptions.

20%    ALM, Interest Rate Risk, and Liquidity Risk Support - Support maintenance of ALM and Liquidity Risk Models, including data inputs, assumptions, and scenario outputs. Assist in preparing ALCO reporting. Validate model outputs and ensure consistency with underlying financial data. Monitor key interest rate and liquidity risk metrics and support documentation of assumptions. Monitor daily cash balances and concentration limits.

10%    Financial Systems Data Integrity - Support the VP of Finance in maintaining the Financial Management System, ensuring data accuracy and consistency across models and reports. Perform data reconciliations between source systems and financial models. Assist in improving model efficiency, automation, and reporting processes. Partner with Business Intelligence to ensure alignment between financial data and enterprise reporting.

10%    Investment Portfolio Support - Support the VP of Finance in investment portfolio maintenance and transaction decisions. Validate safekeeping and collateral positions. Assist with purchase and sale documentation and settlement validation.

10%    Reporting and Ad Hoc Analysis - Prepares monthly, quarterly, and annual reports and provides analysis of the information presented. Reports can include liquidity, investment, delinquency, productions, financials, consolidation, and regulatory reports.

5%    Performs other job related duties as assigned.

Performance Measurements:

1.    Financial models and reporting are accurate, well-documented, and require minimal adjustment post-review.

2.    Budget and forecast updates are delivered timely and reflect current business conditions.

3.    Data within the financial management system is accurate, consistent, and supports effective decision-making.

4.    Analyses performed in the areas of product development and other projects are accurate, timely, and presented in an organized manner.

5.    Internal procedures are documented accurately.

6.    Complies with all applicable rules, regulations, and policies.

Knowledge and Skills:

Experience    2-5 years of experience in financial analysis, banking, credit union, or related field preferred. Strong financial modeling and analytical skills (Excel required; experience with Axiom or similar preferred). Understanding of financial institution financial statements. Familiarity with ALM concepts, interest rate risk, and liquidity management preferred. Knowledge of GAAP and basic regulatory reporting.

Education    Bachelor's degree in finance, accounting, or economics. Master's degree or exposure to ALM, treasury, or balance sheet management preferred.

Interpersonal Skills    Demonstrates strong communication skills, with the ability to translate complex financial concepts into clear, actional insights. Works effectively across cross-functional teams, building strong relationships with various departments to support organizational objectives. Exhibits a high level of ownership and accountability, and detail orientation while maintaining composure in a fast-paced environment, effectively managing competing priorities and deadlines.

Other Skills    Knowledge of the structure of the credit union's balance sheet and income statements; Knowledge of asset-liability management; intermediate computer skills including spreadsheet creation, word processing, database management, and other financial computer applications; ability to create and deliver financial presentations; working knowledge of GAAP; ability to implement and maintain computerized general accounting, budgeting, cost accounting and related accounting and record-keeping systems; ability to perform financial analyses.

Ability to read, write, comprehend, and speak English clearly.

Physical Requirements    This role requires sitting at a computer for most of the day. This role would also require the ability to file files, open filing cabinets, and bend or stand as necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential function.

Work Environment    The position is based in-office in our Pensacola, Florida market, operates primarily in an office setting, and routinely uses standard office equipment such as computers, printers, and phones.

This position requires consistent presence in the office to collaborate with team members and fulfill job responsibilities effectively. It requires the ability to actively participate in conference calls and meetings with other Credit Union team members and vendors.

The normal expected work schedule is Monday through Friday, 8:30a.m. to 5:00p.m. After-hours work or travel required to meet project deadlines or attend conferences, seminars, or client meetings.

Must adhere to safety rules and regulations.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Gulf Winds is an Equal Opportunity Employer and Drug Free Workplace