WCCU Credit Union
Financial Analyst
– WCCU Credit Union
Reporting to the Vice President of Finance, the Financial Analyst will focus on product pricing and profitability, balance sheet oversight, fixed‑income risk/reward analysis, bond analysis, CECL modeling, and provide insight to senior management on concentration recommendations.
Responsibilities
Monitor loan portfolio performance, concentrations, and trends to identify emerging risks.
Analyze large data sets using the credit risk analytics platform to review loan pools.
Assess loan portfolio performance, including usage, delinquency, charge‑offs, ROI of reward programs, and dealer relationships.
Recommend strategies to enhance profitability, engagement, and growth.
Conduct independent fundamental research and analysis on assigned companies/sectors, develop financial models, and provide investment recommendations, credit ratings, and outlooks.
Build and maintain strategic relationships with broker‑dealers.
Collaborate with accounting to identify compelling investment opportunities and perform relative value analysis from issuer and sector perspectives.
Deliver monthly, quarterly, and ad hoc reports to senior leaders with interpretations and actionable recommendations.
Drive innovation and continuous improvement across financial operations, ensuring efficiency, scalability, and adaptability in support of the Credit Union’s mission.
Evaluate secondary‑market pricing and investor guidelines (e.g., Fannie Mae) and support pricing‑strategy development to improve margin optimization.
Lead the monthly CECL estimation process using third‑party vendor applications, including data validation.
Monitor and report on credit‑risk exposures and trends.
Perform model back‑testing, sensitivity analysis, scenario analysis, and support model‑validation findings.
Provide analytical support for business reviews, audit reviews, and ad hoc requests.
Serve as a subject‑matter expert for CECL assumptions and macroeconomic‑variable integration in forecasting models.
Qualifications
Strong analytical and problem‑solving abilities with meticulous attention to detail.
Excellent communication skills and a proven record of presenting to senior stakeholders.
Ability to work in a high‑production environment and respond quickly and effectively under pressure, shifting priorities, and tight deadlines.
Leadership capability within a team environment, making rational, timely decisions with accountability.
High degree of accuracy, integrity, work ethic, and willingness to learn.
Proficiency in learning new software products and creativity in developing efficient solutions.
Ability to work with a wide range of personalities in a courteous, effective, and efficient manner.
Knowledge of current financial‑service industry standards, laws, and regulations.
Proficient knowledge of Microsoft Office Suite (Outlook, Word, Excel, PowerPoint).
Proficient operation of general office equipment such as computers and related software applications.
Seniority Level Entry level
Employment Type Full‑time
Job Function Finance and Sales
Application Instructions Apply online at https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union
Location: La Crosse, WI | Salary: $67,200.00–$88,800.00 | Posted: 2 weeks ago
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– WCCU Credit Union
Reporting to the Vice President of Finance, the Financial Analyst will focus on product pricing and profitability, balance sheet oversight, fixed‑income risk/reward analysis, bond analysis, CECL modeling, and provide insight to senior management on concentration recommendations.
Responsibilities
Monitor loan portfolio performance, concentrations, and trends to identify emerging risks.
Analyze large data sets using the credit risk analytics platform to review loan pools.
Assess loan portfolio performance, including usage, delinquency, charge‑offs, ROI of reward programs, and dealer relationships.
Recommend strategies to enhance profitability, engagement, and growth.
Conduct independent fundamental research and analysis on assigned companies/sectors, develop financial models, and provide investment recommendations, credit ratings, and outlooks.
Build and maintain strategic relationships with broker‑dealers.
Collaborate with accounting to identify compelling investment opportunities and perform relative value analysis from issuer and sector perspectives.
Deliver monthly, quarterly, and ad hoc reports to senior leaders with interpretations and actionable recommendations.
Drive innovation and continuous improvement across financial operations, ensuring efficiency, scalability, and adaptability in support of the Credit Union’s mission.
Evaluate secondary‑market pricing and investor guidelines (e.g., Fannie Mae) and support pricing‑strategy development to improve margin optimization.
Lead the monthly CECL estimation process using third‑party vendor applications, including data validation.
Monitor and report on credit‑risk exposures and trends.
Perform model back‑testing, sensitivity analysis, scenario analysis, and support model‑validation findings.
Provide analytical support for business reviews, audit reviews, and ad hoc requests.
Serve as a subject‑matter expert for CECL assumptions and macroeconomic‑variable integration in forecasting models.
Qualifications
Strong analytical and problem‑solving abilities with meticulous attention to detail.
Excellent communication skills and a proven record of presenting to senior stakeholders.
Ability to work in a high‑production environment and respond quickly and effectively under pressure, shifting priorities, and tight deadlines.
Leadership capability within a team environment, making rational, timely decisions with accountability.
High degree of accuracy, integrity, work ethic, and willingness to learn.
Proficiency in learning new software products and creativity in developing efficient solutions.
Ability to work with a wide range of personalities in a courteous, effective, and efficient manner.
Knowledge of current financial‑service industry standards, laws, and regulations.
Proficient knowledge of Microsoft Office Suite (Outlook, Word, Excel, PowerPoint).
Proficient operation of general office equipment such as computers and related software applications.
Seniority Level Entry level
Employment Type Full‑time
Job Function Finance and Sales
Application Instructions Apply online at https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union
Location: La Crosse, WI | Salary: $67,200.00–$88,800.00 | Posted: 2 weeks ago
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