CO-OP Financial Services

Senior Financial Analyst

Job Locations US-IA-Des Moines
Req No.

The Opportunity

CO-OP Financial Services is bringing digital transformation to the credit union movement. We’re creating innovative technology solutions that help not-for-profit credit unions best serve their members and compete with the big banks.  As a result, our world-class team is growing faster than ever! If you’re passionate about technology and want to be part of a purpose-driven organization, this is an exciting opportunity to provide real value and help shape the future of human-centered financial services.


We are seeking a talented Senior Financial Analyst to provide financial analysis and recommendations to management to make informed decisions and ensure efficient use of resources. This position provides financial analysis, reporting, and modeling for core products and services and select ancillary products and services that cross multiple business units.

What You Can Look Forward to

  • Forecasts revenue and costs of assigned products and services on a periodic (e.g., monthly/quarterly) and ad hoc basis.
  • Completes the rollup of the consolidated monthly financial forecast.
  • Compiles monthly financial reports and management reports.  Assists with interpreting the results.
  • Prepares monthly product P&Ls for assigned products and services (e.g., look at actual results vs. projected - MOM & YOY, trends, against original ROI, and determine reasons for variances), and determine if corrective action is required and communicate to management, as needed.
  • Performs financial analysis on a monthly basis to identify any variances, determine the reason for such variance, and provide recommendation to eliminate/reduce such variance.
  • Performs margin analysis, research, and projects.
  • Develop pricing analytics and enhance existing price proposal templates.
  • Provides financial guidance to other departments in the creation of ROIs, analyze/document key assumptions used, and prepare executive summaries for presentation to management.
  • Prepares and updates cost of capital assumption for use in ROI, NPV, and IRR on a periodic basis (e.g., annually).
  • Maintains and updates the standard ROI questionnaire.
  • Provides recommendations to management (e.g., opportunities to improve profitability, increase product value, and reduce costs).
  • Acts as finance representative on product launch teams, as needed.
  • Determines and creates finance training for non-financial personnel, as needed.
  • Prepares ad-hoc reports, as needed.
  • Mentors the Financial Analyst.
  • Mentors the accounting team in analyzing and interpreting financial data (e.g., actual vs. budget variances).
  • Trains others in analyzing and interpreting financial data (e.g., KPIs, actual vs. budget variances).
  • Actively supports our CO-OP culture and embraces our core values of Work as Partners, Communicate Openly and Honestly, Demonstrate Excellence and Champion Change in all interactions.

What You’ll Need to Succeed

  • Bachelor’s degree in Finance or related field, plus minimum of 4 years related financial analysis and complex modeling/data analysis work required, or equivalent training and/or experience.
  • Strong understanding of General Accepted Accounting Principles (GAAP) is preferred.
  • Advanced Microsoft Excel.
  • Advanced knowledge of PC-based modeling tools.
  • Excellent written and verbal communication as well as presentation skills.
  • Strong problem solving and critical thinking skills.
  • Ability to work independently (e.g., with less structure) and rely on experience and judgment to plan and accomplish goals.
  • Exceptional business analytics and financial modeling abilities. 
  • Ability to convey information to all levels of the organization in a clear, focused, and concise manner.
  • Ability to clearly and effectively understand and teach complex concepts to a variety of audiences.
  • Ability to prioritize multiple projects and responsibilities.
  • Ability to work both independently and as a member of cross-functional teams in a fast-paced, demanding business environment.
  • Ability to implement new ideas and influence others to produce better decisions.

Why Join CO-OP?

CO-OP is committed to fostering a workplace where every employee feels valued, respected, and connected. We are dedicated to understanding, attracting and engaging a diverse workforce where every employee can live up to their value; ensuring that our employee base reflects the consumers we serve. The result of this effort is an inclusive environment where diverse talent thrives.  You will be part of an organization that focuses on a strong culture and embodies the credit union movement philosophy of People Helping People. CO-OP’s commitment to reflecting our own core values and purpose extends beyond how we serve our clients and the products that we deliver.


With more than 35 years of industry leadership, CO-OP Financial Services is the largest, most comprehensive credit union service organization in the nation. CO-OP serves as THE credit union technology engine, bringing payments solutions, engagement services and strategic counsel to help credit unions optimize member experiences to consistently provide seamless, personalized multi-channel offerings, while delivering secure, sophisticated fraud mitigation service.


CO-OP serves more than 3,000 client credit unions, with 60 million debit and credit cardholders, nearly 30,000 surcharge-free ATMs and more than 5,600 shared branches nationwide. Our vast technological ecosystem facilitates more than 6.5 billion transactions every year and equips credit unions of all sizes to deepen member engagement and prosper in the fast-paced world of fintech.

The Perks

  • Fun, challenging and, collaborative work environment with passionate colleagues that care deeply about the intersection of technology and human-centered financial services.
  • Great Work/Life Benefits – Paid Time Off (PTO), Maternity, Parental, Family Care, Adoption Leave Programs, Community Volunteer Time Off, and 10 Paid Holidays.
  • Health benefits – medical, dental, & vision plus wellness programs and gym reimbursements.
  • 401K with generous company match.
  • Tuition reimbursement.


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