Financial Analyst

Job Description

Salary: 75,000 - 90,000 annually

Luminate Bank is more than a bankwe're Banking Brighter by making financial success simple, accessible, and rewarding. Whether you're purchasing a home, growing your savings, or planning for long-term stability, we offer expert guidance and personalized solutions to illuminate your path. Our seamless digital banking, tailored lending options, and wealth-building strategies empower you to take control of your financial future. With competitive rates, clear insights, and a customer-first approach, we help you make informed decisions with confidence. No matter where you are in your journey, Luminate Bank is here to support you every step of the way.

The Mortgage Financial Analyst will play a key role in analyzing branch financials, preparing branch forecasts, and assisting with budgeting.

Duties and Responsibilities:

Assist in the creation of branch-specific budgets and financial forecasts

Update and refine forecasts based on changes in the market or operational performance

Monitor and evaluate key performance indicators (KPIs) specific to mortgage lending, such as loan origination volume, approval rates and profitability metrics.

Develop financial models and analysis to support profitability and identify areas for improvement.

Assist in annual budget preparation for Mortgage Branches.

Assist with the preparation and approval of branch proformas for prospective branches.

Resource for Branch locations for financial questions completing monthly Branch Manager financial review calls.

Provide monthly financial reporting analysis and budget variance explanation.

Coordinating root cause and detail information with different departments across the organization.

Perform ad hoc reporting and analysis and investigate issues providing explanations and interpretation.

Education, Experience, Skills:

Mortgage Accounting/Finance Experience required

Bachelors degree in accounting/finance or demonstrated equivalent business experience

2-3 years of experience in accounting/finance or related field

Strong analytical and problem-solving skills

Strong verbal, written and interpersonal skills

Computer experience with MS Office application with heavy emphasis in Excel

Comfortable working in a fast paced, growth-oriented environment

Proactive and able to work independently and as a team

Encompass experience, not required but preferred

Loan Vision experience, not required but preferred

Proficient with data analysis, forecasting, critical thinking and problem-solving

Benefits:

Competitive compensation reliant on ability and experience

Excellent benefits package including health, pre tax HSA, FSA accounts and dental & vision

Life and AD&D Insurance, as well as additional voluntary benefit possibilities

401K with robust company match

Flexible PTO program

Earned Sick & Safe Time (ESST)

The opportunity to work for the Midwests fastest growing bank

We are an equal opportunity employer and value diversity in our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.