Finance Associate

ABOUT US

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation.

At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you.

Check out our video here!

OVERVIEW

The Finance Associate is an entry-level, early‑career role designed to build broad foundational experience across the Finance function at Coastal Community Bank, a unique hybrid of fintech innovation and community banking tradition. This role supports multiple teams—including Accounting, Financial Planning & Analysis (FP&A), Accounts Payable, and Financial Operations—and will gain exposure to the full spectrum of financial processes within the bank.

RESPONSIBILITIES TO INCLUDE

General Finance Support

• Assist with month-end and quarter-end close processes under direction of senior team members.

• Support journal entry preparation, account reconciliations, and financial documentation.

• Work across teams to gather, validate, and organize financial data.

Accounting & Reporting

• Help maintain accurate financial records in accordance with GAAP standards.

• Support preparation of internal financial reports and external audit requests.

• Assist with daily and monthly reconciliations.

FP&A Support

• Assist with budget tracking, forecasting activities, and variance analysis.

• Help build and maintain basic financial models and Excel-based reporting tools.

• Support preparation of dashboards or presentations for leadership.

Fintech & Operations Finance Exposure

• Support analysis of Banking‑as‑a‑Service (BaaS) program metrics.

• Assist with operational finance tasks such as fee revenue tracking and partner settlement support.

• Participate in cross-functional finance projects involving product, compliance, and operations teams.

Loan Accounting

• Assist with basic loan accounting support, including maintaining loan schedules, validating data inputs, and escalating discrepancies to senior accounting staff.

• Assist finance staff with loan accounting activities such as interest income review, loan balance tie‑outs, and data validation.

QUALIFICATIONS

• High attention to detail, accuracy, and organization.

• Openness to learning and a demonstrated growth mindset; actively seeks to build new skills across different finance functions.

• Willingness to accept and act on feedback with professionalism and curiosity.

• Ability to work in a fast-paced environment with shifting priorities.

• Proactive attitude with the ability to ask thoughtful questions and seek clarification when needed.

• Demonstrated reliability, follow‑through, and eagerness to contribute to team goals.

EDUCATION/EXPERIENCE

• Bachelor’s degree in Accounting, Finance, Business, Economics, or related field.

• Demonstrated experience working with Excel at an advanced level (pivot tables, lookups, formulas, basic modeling). VBA experience a plus.

• 1-3 years’ experience in finance either through internship or work experience.

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 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.

BENEFITS WE OFFER

We’re proud to offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Our offerings include:

• Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.

• Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.

• Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.

• Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.

• Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.

• Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.

• Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.

• 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.

• Paid Time Off: Generous vacation and sick leave policies to support your time away from work.

• Holidays: Enjoy 11 paid holidays throughout the year.

Check out our benefits on our careers site!!

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.