Job Type Full-time Description

ABOUT US

Coastal Community Bank is a leader in Banking with strong Financial infrastructure leading Banking as a Service (BaaS) and Fintech strategies. The people at Coastal not only help people with their personal banking; they help businesses with banking technology integration that leads to business growth, flexible financing, and unimagined potential. We think and work like entrepreneurs, always moving and constantly improving. We are go-getters, work hard, and play hard. If you're someone who thrives on innovation, wants to help others succeed, knows how to think outside the box, and believes that we're all in this together -- you belong here.

Check out our video here!

Requirements

OVERVIEW

The Commercial Analyst (BaaS Pricing & Profitability) builds and owns the financial models that guide CCBX’s deal pricing, ensuring every partnership is negotiated with full visibility into contribution, expense drivers, and P&L impact. You will partner closely with the CCO and CFO organizations to evaluate new and existing programs, translate product and operational assumptions into unit economics, and present board-level analyses that balance growth, risk, and returns.

RESPONSIBILITIES TO INCLUDE

Own deal pricing models for CCBX partnerships across credit cards / loans, deposits, payments/card issuing, ACH/wires, KYC/AML/fraud, and related services; deliver unit economics (per-transaction/account) and program-level P&Ls.
Quantify revenue streams (e.g., program fees, interchange, float/interest spread, platform fees, implementation fees) and fully loaded costs (processing/network fees, KYC/AML, fraud losses/chargebacks, dispute ops, vendor/TPRM costs, support, cloud/tech, compliance/audit).
Incorporate funds transfer pricing (FTP), earnings credit, cost of funds, capital/CECL impacts, and shared cost allocations to produce contribution margin and pre-tax profitability.
Build sensitivity and scenario models (volume ramps, mix shifts, pricing tiers/minimums, adverse loss scenarios) and define break-even, NPV/IRR, and payback for executive decisioning.
Create term sheets and pricing exhibits; support commercial negotiations with data-driven guardrails, floors, and concessions; partner with Legal on economics language.
Maintain a centralized repository of pricing decisions, model versions, and signed commercial terms; support audit and exam requests with complete financial files.
Continuously benchmark market pricing and network/processor fees; monitor regulatory or macro changes impacting BaaS economics and update guardrails accordingly.
Contribute to board and exec-level materials: crisp memos, one-page summaries, and appendix analysis that withstands scrutiny.

QUALIFICATIONS

5+ years in FP&A, commercial finance, or strategic finance; experience in banking/fintech/payments or other highly regulated industries strongly preferred.
Expert Excel modeling (driver-based models, scenario/sensitivity; proficiency with SQL for data pulls/validation preferred.
Working knowledge of BaaS economics (interchange/network fees, deposit spreads/FTP, KYC/AML/fraud cost drivers) and allocation of shared services to deal-level P&Ls.
Familiarity with capital markets concepts (cost of capital, warehouse funding/securitization, loan sales) and their influence on pricing and returns.
Comfort with board-level storytelling: executive summaries, crisp exhibits, and clear recommendations supported by analytical rigor.
High integrity, strong ownership, excellent attention to detail, and the ability to manage multiple deals in parallel in a fast-moving environment.

EDUCATION/EXPERIENCE

Bachelor’s degree in Finance, Economics, Accounting, or related field; MBA/CFA/CPA a plus.
Advanced competency with Microsoft Excel and PowerPoint; experience building board-ready materials required.

HOW YOU’LL THRIVE AT COASTAL

Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.
Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.
Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.
Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.
Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.
Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence.

BEING YOU AT COASTAL

Coastal Community Bank is an equal opportunity employer. We are committed to providing a workplace free from discrimination and harassment. All employment decisions are based on merit, qualifications, and business needs. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status under applicable laws.

PHYSICAL DEMANDS

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee must be able to:

Sit for extended periods of time.
Stand for extended periods of time.
Perform repetitive finger, hand, and arm movement.
Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.
View and read computer screens for extended periods.
Occasionally stoop, kneel, crouch, or crawl.
Occasionally lift or move up to 10 pounds.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

ACKNOWLEDGEMENT

The employee is expected to adhere to all company policies and to act as a role model in the adherence to policies. Job Descriptions are not intended as and do not create employment contracts. Coastal Community Bank maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

Salary Description $123,000 - $147,612