Financial Risk Analyst Jobs in Portland, OR (NOW HIRING)

Description

LIFE AT PACIFIC LIFESTYLE HOMES

Experience the difference of being part of the Pacific Lifestyle Homes family. As a two-time recipient of the prestigious Building Industry Association "Builder of the Year" award and the esteemed National Housing Quality Gold Award, we are more than just a homebuilder - we are dedicated to BUILDING BETTER LIVES. From our humble beginnings in 1996, we have grown to construct over 6,500 homes and 130 communities across SW Washington, the Portland Metro area, greater Puget Sound area, and the Boise Metro landscape. Join us and build your career with a company committed to excellence and community impact.

JOB MISSION

Pacific Lifestyle Homes is seeking a VP of Finance responsible for leading corporate finance, treasury, capital strategy, and investment analysis across a multi-state homebuilding and real estate investment platform. This role provides executive-level leadership in capital markets, strengthens capital discipline, institutionalizes liquidity management, and enhances project-level return analytics. The position reports to the CFO and works closely with executive leadership, commercial lenders, capital partners, and divisional leaders.

JOB RESPONSIBILITIES:

Commercial Lending & Capital Strategy

• Develop and manage relationships with a diverse set of capital partners, including existing and prospective banking institutions, private debt and equity providers, land bankers, and land sellers participating in structured financing arrangements.
• Identify and evaluate new capital sources and partnership opportunities to enhance liquidity, flexibility, and return on capital.
• Lead negotiations for expanded lending capacity and capital structures.
• Evaluate refinancing and restructuring opportunities and make strategic recommendations.
• Analyze alternative capital structures (joint ventures, land banking, etc.).
• Model cost of capital across facilities.

Investment & IRR Analysis

• Lead underwriting analysis for land acquisitions and development phases.
• Perform IRR, NPV, and sensitivity analysis for proposed projects.
• Standardize deal review templates and approval processes.
• Support evaluation of affiliated entity investments (SFR portfolios and passive investments).
• Provide downside and stress-test analysis to inform decision-making.

Treasury, Liquidity & Financial Risk Management

• Forecast covenant compliance and borrowing base capacity.
• Optimize utilization of commercial lending facilities and trade credit card facilities.
• Model liquidity under various absorption, pricing, and cost scenarios.
• Identify and actively manage financial risks related to liquidity, leverage, interest rates, and capital structure.
• Facilitate collateral additions, releases, and loan commitment structuring to support financial and operational objectives.
• Manage buyer construction loan draws and associated cash billings.

Finance Staff Development

• Supervise and develop finance staff, including Finance Analyst(s) and other support roles.
• Provide coaching and training in financial modeling, cash flow forecasting, and capital analysis.
• Establish standards and best practices for financial analysis, underwriting, and treasury management.
• Review and validate analytical work products to ensure accuracy, consistency, and quality.
• Partner with accounting, operations, and leadership teams to improve financial understanding and decision-making.
• Build organizational capability in driver-based forecasting, return analysis, and capital planning.

QUALIFICATIONS:

• 10-30+ years of experience in residential construction finance, including roles such as residential banking analyst, relationship manager, land banker, or private credit professional.
• Strong financial modeling skills (IRR, NPV, sensitivity, and debt modeling).
• Deep experience with commercial lending structures, borrowing bases, and covenant compliance.
• Demonstrated experience leading, developing, and mentoring finance staff in a dynamic, growth-oriented environment.
• Strong communication and negotiation skills, with the ability to effectively engage lenders, executives, and operational leaders.
• Advanced Excel proficiency.
• Ability to translate complex financial concepts into clear, actionable insights.

KEY COMPETENCIES:

• Strategic Financial Leader: Drives capital strategy, liquidity planning, and long-term financial performance.
• Analytical Rigor: Applies deep expertise in modeling, underwriting, and investment analysis.
• Capital Markets Expertise: Navigates lending structures, capital partnerships, and financing strategies.
• Leadership & Development: Builds, mentors, and elevates high-performing finance teams.
• Risk Management: Anticipates and mitigates financial risks across the organization.
• Executive Communication: Clearly conveys complex financial insights to diverse stakeholders.

WHY WORK HERE

BENEFITS

• Company supported medical, dental and vision benefits for employees and families
• Participation in our 401(k)-retirement savings plan with Company contributions
• New home discount
• 120 hours of paid time off for the first year
• Seven paid holidays
• Paid volunteer hours
• Employee Recognition Program
• Employee Referral Bonus - Up to $1,000
• Engaging company culture - Including our annual "Ferris Bueller's Day Off"
• And much more!

OUR CULTURE / VALUES

At Pacific Lifestyle Homes, our vibrant culture defines who we are. We believe in the power of open communication, where every voice is valued and heard. With a strong emphasis on personal growth, we offer one-on-one coaching, regular reviews, and prioritize internal promotion whenever feasible. Our actions are guided by our core values of respect, accountability, candor, humility, integrity, and teamwork, shaping every decision we make and every interaction we have.

Build your career at Pacific Lifestyle Homes, where we are committed to the idea that a skilled team can build homes and communities that withstand the test of time. Picture yourself driving by our neighborhoods a decade from now, brimming with pride knowing you played a vital role in their creation. Do not miss the opportunity to make a lasting impact with us!

For additional information about Pacific Lifestyle Home's Company Culture and how it can enrich your career, we invite you to view the video at the following link: https://youtu.be/Hud-5EsJ2fw

WORK ENVIRONMENT

We are an in-person culture with a core work schedule of 8:00am - 5:00pm, including a required daily morning huddle that begins at 8:00am in-office. While schedules may vary based on business need, this role typically operates in a high-demand environment and may require extended hours, often averaging above a standard 40-hour workweek. 

Our dress code and appearance policy reflect our commitment to professionalism and our dedication to maintaining a premier standard as a homebuilder.

Prior managerial reference checks, background check and a pre-employment drug screen are required steps in our hiring process.

We are proud to be an Equal Opportunity Employer.