The Senior Financial Risk Reporting Analyst is a key owner of the Bank’s allowance for credit losses (“ACL”) process under ASC 326 (“CECL”). This role is responsible for recurring CECL production, model execution, analytical judgment, documentation, and governance, and partners closely with the Special Assets Department, Finance/Accounting and Internal Audit.

The position also supports Securities and Exchange Commission (“SEC”) reporting by preparing CECL‑related disclosures, analytics, controls evidence and audit support for Forms 10‑Q, 10‑K, and 8‑K. The successful candidate combines strong quantitative capabilities with accounting and external‑reporting proficiency, and thrives in a controls‑driven, deadline‑oriented environment

• Execute the Bank’s monthly and quarterly CECL processes for loans and held‑to‑maturity securities portfolios.
• Gather, review and validate data used in CECL calculations, including loan characteristics and economic assumptions.
• Execute CECL models, incorporate economic forecasts and review results for reasonableness and consistency.
• Analyze period-over-period changes in allowance results and explain key drivers and trends.
• Recommend management judgment adjustments when appropriate and clearly document rationale and impacts.
• Maintain documentation of CECL methodologies, assumptions, model changes and ongoing monitoring activities.
• Prepare materials and respond to requests from Internal Audit and model validation teams.
• Perform and document key controls related to data accuracy, assumptions, management review, and reporting.
• Prepare and maintain CECL‑related footnote disclosures and tables for public filings (such as Forms 10‑Q and 10‑K).
• Reconcile CECL balances to the general ledger and financial statements and investigate differences.
• Support the quarterly close by delivering required analyses, explanations and supporting documentation within required deadlines.
• Respond to questions from reviewers, auditors and other stakeholders during the close and audit cycles.
• Partner with cross‑functional teams to ensure consistent and accurate financial and risk reporting.
• Collaborate with the SEC reporting team to ensure CECL and loan disclosures are accurate and aligned within the Workiva platform.

• Bachelor’s degree in Finance, Accounting, Economics or related field; CPA or progress toward certification preferred.
• Minimum 3 years of relevant experience in CECL/credit risk modeling, allowance, or financial reporting in a bank or financial services environment.
• Public accounting experience preferred.
• Strong experience supporting CECL-related month-end close, financial reporting and account reconciliations.
• Solid understanding of ASC 326 (CECL), the credit lifecycle, portfolio segmentation and macroeconomic linkage.
• Demonstrated experience with SOX, internal controls, and audit or validation interactions.
• Experience preparing SEC filings (such as Forms 10-Q and 10-K), particularly CECL, credit quality, fair value footnotes and Management’s Discussion and Analysis (“MD&A”).
• Familiarity with model risk management concepts and validation practices.
• Proficiency in Microsoft Office tools.
• Experience with CECL platforms (e.g., Moody’s Analytics, Abrigo, or similar systems).
• Experience with Workiva/Wdesk or comparable disclosure management platforms; familiarity with XBRL concepts a plus.

Excellent written and verbal communication skills, with the ability to translate complex analytics for executive audiences.

WORKING CONDITIONS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

Perform routine and typical tasks of an office such as typing, taking notes, reading/reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift.

The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization

COMPENSATION:  $80,000 to $115,000