Financial Analyst - Consumer and Business Banking

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

This Financial Analyst supports the Digital Product group within Consumer & Business Banking. The role focuses on financial planning and analysis, budgeting, forecasting, expense management, reporting, capital expenditure management, ad hoc analysis, and process improvement. The analyst will support approximately two digital organizations and partner with leaders, developers, project managers, and other business partners on digital initiatives and capital projects.

Key Responsibilities

• Support business-line P&L activities with a primary focus on expense management, budgeting, monthly forecasting, reporting, and variance analysis.

• Provide financial analysis for expense allocation, business cases, peer group comparisons, capital expenditures, personnel resources, and ad hoc requests.

• Develop and maintain spreadsheets, financial and statistical models, dashboards, reports, and management presentations.

• Identify trends, risks, opportunities, data issues, and financial drivers; resolve reporting errors and translate findings into actionable recommendations.

• Partner cross-functionally with business leaders and present financial results to senior leadership.

• Use financial systems and large datasets to improve reporting, forecasting accuracy, workflows, and operational efficiency.

• May assist with financial applications and prepare interest rate pricing and forecasting information for asset and liability management.

• Participate in projects, occasionally lead projects, and independently identify issues and propose solutions.

Basic Qualifications

• Bachelor's degree, or equivalent work experience

• Typically six or more years of related experience

Preferred Qualifications

• Background in finance or accounting.

• Knowledge of financial analysis and general accounting procedures, including forecasting, planning, budgeting, financial reporting, variance analysis, expense management, capital expenditures, and financial modeling.

• Strong mathematical and analytical abilities, with advanced Microsoft Excel skills.

• Experience using Essbase, Hyperion, or a similar financial planning system.

• Experience working with financial systems and large datasets. Knowledge of data mining, visualization, dashboards, and automation is also preferred.

• Ability to recognize trends, risks, opportunities, and exceptions in financial results.

• Experience working cross-functionally with business partners and communicating financial results to managers and senior leaders.

• Demonstrated initiative, ownership, critical thinking, and intellectual curiosity.

• Ability to independently identify issues and recommend solutions.

• Experience participating in projects and occasionally leading project work.

Location Expectations:

This role requires working from a U.S. Bank location three (3) or more days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.