Sr. Specialist, Bank Finance

Job description

Your opportunity At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together. As part of the Bank Finance team, you will play a critical role in supporting loan pricing, profitability analysis, pricing exception reviews, and lending-related business decisions that directly influence the performance of Charles Schwab Bank.

This role sits at the intersection of Finance, Treasury, Credit/Risk, Sales, Operations, and Controllers, providing exposure to a broad range of business partners and strategic initiatives. You’ll help drive pricing decisions across lending products, including Pledged Asset Line (PAL), Mortgage, and HELOC offerings, while serving as a trusted resource for sales and operations teams supporting clients, including high-net-worth households.

By analyzing loan pricing requests, evaluating pricing exceptions, supporting loan purchase activities, you will help ensure sound decision-making, operational excellence, and portfolio performance. Success in this role requires strong analytical thinking, sound judgment, and the ability to balance competing priorities while navigating complex business challenges. You will have the opportunity to influence lending outcomes, strengthen cross-functional partnerships, and provide data-driven recommendations that support business growth, risk management, and client-focused solutions.

As you continue to develop your expertise, you'll gain deeper knowledge of lending products, pricing strategies, banking operations, and financial analysis while contributing to meaningful business outcomes that make an impact across the firm. While this position is primarily aligned to the Denver market, qualified internal candidates may also be considered for other Charles Schwab hub locations based on business need, team alignment, and manager approval.

What you have

Required Qualifications

Bachelor’s degree in Business, Finance, Economics, or a related field. 1+ years of experience in lending pricing, profitability analysis, financial analysis, or a related banking function. Proficiency with Microsoft Excel and reporting tools. Demonstrated experience applying analytical thinking to evaluate data, identify trends, and support business decisions. Experience in an operational role with a finance background can also be considered.

Ability to manage multiple priorities while maintaining accuracy and attention to detail. Strong problem-solving and decision-making skills with the ability to recommend practical solutions to complex business challenges. Effective written and verbal communication skills, including the ability to present insights and recommendations to business partners. Experience building collaborative relationships across cross-functional teams and stakeholders.

Ability to quickly learn new concepts, processes, technologies, and business requirements.

Preferred Qualifications

Experience supporting lending products such as Pledged Asset Line (PAL), Mortgage, HELOC, or other consumer lending products. Experience reviewing pricing exceptions and making recommendations within established authority frameworks. Previous experience in banking operations combined with a finance or analytical background. Knowledge of loan profitability, portfolio reporting, forecasting, and lending analytics. Experience supporting audits, compliance reviews, regulatory reporting, or risk-related initiatives.

Demonstrated ability to influence outcomes, resolve conflicts, and build consensus among diverse stakeholder groups. In addition to the salary range, this role is eligible for bonus or incentive opportunities. What’s in it for you At Schwab, you’re empowered to shape your future. We champion your growth through meaningful work, continuous learning, and a culture of trust and collaboration—so you can build the skills to make a lasting impact.

Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis. We offer a competitive benefits package that takes care of the whole you – both today and in the future: 401(k) with company match and Employee stock purchase plan Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions Paid parental leave and family building benefits Tuition reimbursement Health, dental, and vision insurance