Analyst, Financial Operations

Job description

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our vision, mission, and values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our team members are on their way to achieve their highest potential and be successful in their personal and professional lives. Must be legally eligible to work in the United States without sponsorship, now or in the future, to be considered. Who is Customers Bank? Founded in 2009, Customers Bank is a fintech-forward, super-community bank with over $26 billion in assets. We believe in dedicated personal service for the businesses, professionals, individuals, and families we work with. We get you further, faster. Focused on you: We provide every customer with a single point of contact. A dedicated team member who's committed to meeting your needs today and tomorrow. On the leading edge: We're innovating with the latest tools and technology so we can react to market conditions quicker and help you get ahead. Proven reliability: We always ground our innovation in our deep experience and strong financial foundation, so we're a partner you can trust. Who is Customers Commercial Finance? Founded in 2015, Customers Commercial Finance, LLC (CCF) is the equipment finance and leasing arm of Customers Bank. For the past decade, we've been a high-growth, technology-driven organization delivering competitive and customized equipment financing solutions to small and mid-sized businesses. CCF combines the strength and low cost of funds of a bank with the agility and personal touch of a boutique financial services firm. Backed by advanced technology, a state-of-the-art CRM, and highly skilled credit, operations, and leadership teams, we are positioned for continued growth and innovation. Our transactions range from $50K to $50MM, and we specialize in key verticals such as specialty vehicles, construction, marine, crane and rigging, and franchise finance, among others. Our deep industry expertise, combined with top-tier resources, allows us to deliver meaningful value to our customers, vendors, and partners. Joining CCF means being part of a forward-looking, entrepreneurial culture where you'll have the opportunity to make an impact, grow your career, and help us expand our position as a leader in equipment finance. What You'll Do: CCF's Loan and Lease assets currently total approximately $1.4 billion. The Financial Operations team plays a critical role in managing the servicing, accounting, and operational integrity of our commercial loan and lease portfolio while supporting the continued growth of the business. As a Financial Operations Analyst, you'll have the opportunity to make a meaningful impact by improving processes, leveraging technology, and helping shape the future of financial operations. We are committed to being an industry leader by embracing innovation, automation, artificial intelligence (AI), and continuous improvement to deliver exceptional service to our customers and business partners. You'll be empowered to challenge the status quo, recommend new ideas, and collaborate across the organization to drive operational excellence. Key responsibilities: Manage the daily servicing of commercial loan and lease portfolios, including payment processing, cash application, account reconciliations, and exception resolution. Generate, review, and process daily Electronic Funds Transfer (EFT) files and other payment transactions while ensuring accuracy and timeliness. Administer accounts receivable functions, including customer invoicing, collections support, billing adjustments, and payment research. Prepare customer payoff quotes, process early payoffs, and ensure accurate accounting for loan and lease terminations. Review and process end-of-term activities, including lease returns, renewals, purchases, and contract dispositions. Book new loan and lease transactions into the servicing system, ensuring accurate pricing, depreciation, residual values, accounting treatment, and contract setup. Prepare account analyses, reconciliations, and operational reporting to support month-end, quarter-end, and year-end financial close activities. Assist with financial reporting, portfolio analytics, and management reporting for executive leadership. Support internal and external audits by preparing schedules, documentation, and responding to audit inquiries. Serve as a backup administrator for the core lease and loan servicing platform, assisting with system testing, upgrades, issue resolution, and user support. Identify opportunities to improve operational processes, automate manual tasks, and strengthen internal controls. Partner with cross-functional teams to ensure compliance with company policies, accounting standards, regulatory requirements, and servicing procedures. Provide exceptional customer service by responding to inquiries related to billing, account balances, amortization schedules, payoff requests, and transaction history. Utilize AI-powered tools and emerging technologies to improve operational efficiency, automate routine tasks, enhance reporting, and identify opportunities for process improvement. Participate in system enhancements, testing, and technology initiatives that strengthen scalability, automation, and data integrity. Foster a culture of continuous learning by embracing new technologies, sharing knowledge, and contributing ideas that help the organization evolve. What Do You Need? Bachelor's degree in Accounting, Finance, Business Administration, Economics, or a related field. 3–7 years of experience in financial operations, equipment finance, commercial lending, leasing, banking, or a related financial services environment. Experience with accounts receivable, cash management, reconciliations, and financial reporting. Strong analytical, organizational, and problem-solving skills with exceptional attention to detail. Demonstrated intellectual curiosity with a desire to continuously learn, improve processes, and embrace new technologies. Strong emotional intelligence (EQ), including excellent interpersonal skills, collaboration, adaptability, and customer empathy. Ability to think critically, challenge existing processes constructively, and develop creative, practical solutions. Self-motivated with an ownership mindset and the confidence to make recommendations that improve operational performance. Ability to manage multiple priorities in a fast-paced, deadline-driven environment while maintaining a high degree of accuracy. Excellent written and verbal communication skills, with the ability to interact effectively across departments and with customers. Technology Skills: Advanced Microsoft Excel, including PivotTables, Power Query, and data analysis. Experience with Microsoft Office 365, including Outlook, Teams, Word, and PowerPoint. Experience with loan or lease servicing platforms; Aspire experience is a plus. Familiarity with CRM systems and financial reporting tools. Experience using or willingness to learn AI-powered productivity tools (such as Microsoft Copilot, ChatGPT Enterprise, or similar technologies) to improve efficiency, reporting, research, and workflow automation. Strong aptitude for learning new software applications and adapting to evolving technology platforms. Customers Bank is an equal opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. We also provide “reasonable accommodations”, upon request, to qualified individuals with disabilities, in accordance with the Americans with Disabilities Act and applicable state and local laws. Diversity Statement: At Customers Bank, we believe in working smart, working together, and having fun while delivering innovative solutions and memorable experiences for our customers. We are committed to the continual advancement of a culture which reflects the value we place on diversity, equity, and inclusion. We honor the diverse experiences, perspectives, and identities of our team members, and we recognize that it is their passion, creativity, and integrity that drives our success. Step into your future with us! Let’s take on tomorrow.