Sr. Business Information Analyst

Chevron Federal Credit Union is one of the top-run credit unions in the country – and one of the largest, with $5 billion in assets. Yet our corporate culture is not stuffy: the Team Spirit Committee runs fun activities and charitable events throughout the year, and work-life balance, mutual respect, diversity, and providing a voice for every employee are all important to us. As you might imagine, we provide competitive pay and great benefits, including:

• Bonus/incentives for all regular employees
• 401(k) with 8% company contribution
• Medical, dental, and vision insurance for employees and dependents paid at 80%
• PTO and paid sabbaticals
• Tuition reimbursement

GENERAL SUMMARY

Serves as a senior strategic analytics partner to various stakeholders including Executive Leadership, delivering enterprise-wide financial, profitability, portfolio risk, and operational intelligence to support strategic decision-making and organizational performance initiatives. Leads enterprise profitability analytics across products, member segments, channels, branches, and lines of business to support strategic decision-making. Analyzes member and product trends, profiles, and historical data to generate actionable insights and recommendations for business improvements and initiatives. May lead cross-functional analytical initiatives and provide technical mentorship, analytical guidance, and project leadership to junior analysts and business partners.

Position Duties & Functions

• Gather, integrate, and analyze data from multiple sources, including database systems, Accounting, and cross-functional teams, to perform profitability analysis across product lines, member segments, branches, and risk profiles. Identify key profitability drivers and make recommendations to improve profitability.
• Maintain, enhance and apply Activity-Based Costing (ABC) methodologies, profitability allocation assumptions, and cost account processes used to support enterprise profitability analysis and strategic financial decision-making. Evaluate costing assumptions, operational drivers, and business processes to identify opportunities for improved financial performance, resource optimization, and operational efficiency.
• Partner with Accounting to reconcile profitability analyses with financial statements, understanding line of business methodology differences from Generally Accepted Accounting Principles (GAAP).

• Lead real estate portfolio stress testing, reserve analytics, and forward-looking credit risk assessments to evaluate portfolio exposure and potential loss scenarios under varying economic conditions.
• Support enterprise Current Expected Credit Loss (CECL) methodologies through ownership of real estate reserve analysis, scenario modeling, and portfolio-level forecasting assumptions.
• Analyze and benchmark Credit Union financial and operational performance against peer institutions to identify competitive positioning, performance trends, and opportunities for improvement.

• Architect and deliver enterprise business intelligence solutions, executive dashboards, and advance reporting frameworks supporting strategic, financial, and operational performance management through Power BI.
• Collaborate with Business, Technology, Strategy, and Data Management teams to evaluate data systems, streamline data extraction processes, and develop efficient data structures to support reporting, analytics, and business intelligence initiatives.
• Perform routine and ad hoc analysis for business units, including ongoing monitoring of deposit drivers and proactive communication of key trends, risks, and insights to senior management.
• Develop and maintain forecasting models to predict loan growth, deposit trends, and member behavior patterns in support of strategic and operational planning.
• Provide analytical and reporting support across various Credit Union departments and initiatives based on organizational priorities and business needs.

• Serve as a key analytics partner supporting enterprise strategic planning, and executive decision-support initiatives including corporate metric development, and optimization of the enterprise data warehouse to enhance organizational reporting and analytics capabilities.
• Support member experience initiatives through analysis of survey feedback and member insights.
• Mentor and provide guidance to junior analysts while collaborating across the Business Analytics team on shared projects, cross-functional initiatives, and continuous improvement efforts.
• Utilize advanced analytics platforms and tools, including Databricks, to develop data-driven insights, improve analytical efficiency, and support strategic business solutions.
• Perform addit