Job Description

The Financial Analyst supports the preparation, analysis, and governance of key financial and risk-related reporting, including Asset & Liability Committee metrics, Allowance for Credit Losses reporting, and capital planning materials. This role assists with recurring management and committee reporting, variance analysis, reconciliations, and documentation to support internal controls, audit, and regulatory requirements. The Financial Analyst collaborates with Lending, Credit, Accounting, and External Reporting teams to ensure data accuracy and consistency, and applies strong financial analysis, modeling, and industry knowledge to support balance sheet management and capital oversight.

Below is a list of essential job functions. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

• Support preparation and analysis of Asset & Liability Committee (ALCO) reporting, including quarterly interest rate and liquidity risk reporting.
• Assist in Allowance for Credit Loss (ACL) reporting and analysis, including allowance rollforwards, portfolio trend analysis, qualitative support schedules, and reconciliation to the general ledger.
• Contribute to capital planning and stress testing processes by supporting earnings forecasts, risk-weighted asset calculations, regulatory capital ratio analysis, and related documentation.
• Perform detailed financial analysis, reconciliations, and variance explanations to support internal controls, audit requirements, and regulatory examinations.
• Collaborate with Lending, Credit, Accounting, and External Reporting teams to ensure data accuracy, assumption integrity, and timely delivery of financial reporting and analytics.

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect – Display a positive attitude in managing change while working under tight deadlines.
• Client Focus – Ability to work independently while multi-tasking.
• Inclusion – Communicate with questions when necessary.

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership – Proactively supports ALCO, ACL, capital planning, and related finance initiatives by assisting teammates across the Finance department and taking ownership of assigned analyses and reporting deliverables.
• Integrity – Maintains a strong focus on the accuracy, completeness, and consistency of financial analyses, reconciliations, and reporting used for management, committee, and regulatory purposes.
• Collaboration – Works collaboratively with Lending, Credit, Accounting, External Reporting, and other Finance partners to ensure timely, accurate, and well-controlled financial and risk reporting in support of common objectives.
• Volunteerism – Remain active in the local communities that we serve.

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability – Applies a solid understanding of accounting and financial concepts to accurately prepare, analyze, and reconcile general ledger activity and management reporting related to ALCO, ACL, and capital planning processes.
• Innovation – Continuously evaluates reporting processes, models, and workflows to identify opportunities to improve efficiency, automation, and effective use of financial systems and analytical tools.
• Professionalism – Adheres to established accounting policies, internal controls, and reporting procedures, and consistently demonstrates reliability and attention to detail in all financial analyses and deliverables.

POSITION LEVEL(S) EXPECTATIONS

• Staff Financial Analyst I – Understands fundamental accounting and financial concepts and applies them to routine analyses, reconciliations, and management reporting under established guidelines.
• Staff Financial Analyst II – Demonstrates advanced understanding of accounting and financial concepts and applies judgment to more complex analyses, reporting issues, and cross-functional financial initiatives.

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Take advantage of training opportunities to advance knowledge of new accounting standards. Complete required online banking classes as assigned.

Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this entry-level role successfully, an individual must be able to satisfactorily perform each essential job function, with the required skills and qualifications outlined below. This position requires a Bachelor’s degree in Finance, Accounting, Data Science, Computer Science, Management Information Systems (MIS), or a related field, along with 0–2 years of relevant experience in financial reporting, regulatory reporting, or a related field. A working knowledge and general understanding of generally accepted accounting principles (GAAP) is required. Employment is contingent upon the successful completion of required background checks. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the role.

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.
• TECHNOLOGY SKILLS: Experience with information systems and data analysis or modeling tools such as Oracle, regulatory reporting platforms (e.g., Fed Reporter, Wdesk), Microsoft Excel, PowerPoint, Word, and exposure to SQL, Crystal Reports, Power BI, Tableau, or similar tools. Utilizes automated technology and analytical tools to support the accurate, timely, and efficient preparation of regulatory, financial, ALCO, and capital planning reports, while adhering to internal controls and documentation standards.
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation.
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close and distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. The noise level in the work environment is usually moderate.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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