Financial Analyst III at Apcoholdings

APCO Holdings partners with dealerships across North America to deliver innovative vehicle protection products and services that enhance the ownership experience for customers and drive growth for our partners. Through our family of brands, we bring together industry expertise, technology, and data-driven insights to help dealers strengthen their finance and insurance performance and build lasting relationships with their customers. Our teams work collaboratively across operations, technology, risk, finance, marketing, and sales to deliver solutions that create measurable value and support the continued growth of APCO and the partners we serve. The Financial Analyst III is a core contributor within the FP&A function and a key member of APCO Holdings’ analytical engine. This role owns the end-to-end production and stakeholder management of the Monthly Operating Report (MOR), leads departmental budget development across multiple cost centers, and supports integration finance, acquisition earnout tracking, and special projects under the direction of FP&A leadership. The successful candidate will partner closely with cross-functional stakeholders across IT, Operations, Claims, HR, and executive leadership to deliver accurate, timely, and decision-ready financial intelligence. The position reports to the FP&A Manager or Senior Manager, Finance. Essential Duties and Responsibilities Monthly Operating Report (MOR) • Own end-to-end MOR production - including data consolidation from source systems, validation, formatting, and timely distribution to stakeholders. • Facilitate MOR review calls with sales leadership and regional teams; address questions, incorporate feedback, and resolve data discrepancies. • Manage post-distribution follow-up requests; coordinate corrections and track open items to resolution. • Perform admin reclassifications, volume uploads, and sales data file updates following monthly sweep confirmation; revalidate data when sweep issues require a full repull. • Conduct contract-level investigations to ensure MOR accuracy and completeness. Budgeting & Forecasting • Build, roll forward, and maintain OpEx and T&E budget templates across multiple operating departments including Claims, Services, Corporate, Finance & Accounting, HR, and Acquired Admin. • Consolidate personnel inputs from department heads into a unified budget file; follow up on outstanding submissions and resolve discrepancies. • Develop and maintain IT and Integration budget files, including vendor contract analysis (renewal dates, spend by project, accounting treatment) and personnel allocation schedules. • Prepare and present monthly IT/Integration budget-vs-actual review packages with exhibits and talking points for leadership meetings. • Support the annual budgeting cycle through template design, cross-departmental coordination, and enterprise-level consolidation. Financial Reporting & Variance Analysis • Maintain and refresh the monthly close reporting file, including tying out to the Accounting Trend Analysis, incorporating new entities, and resolving consolidation variances. • Investigate month-over-month revenue and expense variances; reach out to business owners to confirm, correct, or explain movements. • Prepare monthly reporting package reconciliation exhibits, including GL realignments and OpEx reclassifications, to support management reporting. • Run and map contract counts from ERP and contract administration systems to the revenue datamart; troubleshoot formula and mapping issues. • Build and maintain accrual schedules for key vendor relationships, coordinating with AP on coding and timing. Acquisition & Integration Finance • Prepare earnout packages for acquired entities, including quality-of-earnings translation into standard reporting formats and analysis of overlapping earnout periods. • Support integration personnel allocation reviews and maintain IT/Integration headcount files, rolling forward salary and FTE data each period. • Consolidate YTD IT and Integration personnel data across entities by name, allocation percentage, and accounting treatment. • Prepare vendor detail reports for third-party advisors, isolating transaction-level data from historical GL activity. • Participate in weekly acquisition and pipeline calls; support due diligence and integration workstreams as directed. Financial Modeling & Strategic Analysis • Develop financial models and analyses to support management with strategic initiatives, capital expenditure decisions, and scenario planning. • Analyze current and historical trends across revenue, cost of sales, expenses, and capital expenditures; identify and explain unexpected variances. • Prepare financial presentations and executive-ready exhibits for senior leadership review. • Support the dealer loan program through credit request preparation, covenant and condition compliance monitoring, profitability analysis, and risk rating reviews for current and prospective clients. Systems, Tools & Process • Create reports, dashboards, and planning templates using an EPM tool (Planful preferred) and Power BI. • Extract and manipulate data from ERP and contract administration systems; maintain GL mapping logic between platforms. • Identify and resolve coding errors across vendor, department, and GL dimensions; coordinate with AP and Accounting on corrections. • Support EPM process improvement and system integration initiatives, including data validation workflows. General • Prepare and validate recurring and ad hoc financial reports and analyses as requested by management. • Maintain confidentiality of sensitive financial and personnel information in accordance with company policy. • Provide clear, professional communication to internal stakeholders and external third parties. • Assist with other duties and special projects as assigned. Education and Experience • Bachelor’s degree in Accounting, Finance, Economics, or a related field required. • 3–5 years of progressive experience in corporate finance, FP&A, or a closely related analytical role preferred. • Experience in a PE-backed or multi-entity operating environment is a plus. • Exposure to M&A integration, earnout tracking, or acquisition finance is preferred. Skills and Competencies Technical Skills • Proficiency in NetSuite OneWorld (or comparable ERP) required; Oracle experience a plus. • Experience with Planful or a comparable EPM/CPM platform strongly preferred. • Advanced Excel skills: dynamic modeling, formula auditing, pivot tables, and multi-workbook consolidation. • Familiarity with Power BI or other data visualization tools preferred. • Working knowledge of GAAP and standard FP&A reporting constructs (P&L, cash flow, balance sheet). • Understanding of commercial lending concepts - covenant compliance, risk rating, profitability analysis - is a plus. Functional & Analytical Competencies • Ability to build robust, adaptable financial models under changing business conditions. • Strong data skills - comfortable pulling, mapping, reconciling, and troubleshooting large datasets across multiple systems. • Proven ability to manage high-frequency recurring deliverables (e.g., monthly reporting packages) under firm deadlines. • Structured, fact-based approach to variance investigation and financial explanation. • Able to prepare executive-level presentations and communicate complex financial topics clearly and concisely. Behavioral Competencies • High degree of accuracy and attention to detail; takes full ownership of quality from source data through final output. • Self-directed and proactive - able to manage multiple concurrent priorities with minimal oversight in a fast-paced environment. • Strong verbal and written communication skills; credible at all levels including senior leadership and external partners. • Collaborative and adaptable; works effectively across Finance, Accounting, Operations, IT, and HR. • Genuine interest in learning the Vehicle Service Contract and automotive protection products industry; desire to contribute to the company’s growth and success. At APCO, the way we work matters just as much as the results we deliver. Our values guide how we work, how we partner, and how we deliver results.   We C.A.R.E. Committed – We build strong, high-trust relationships with our partners and each other. Accountable – We take ownership of outcomes and hold ourselves to the highest standards of performance and integrity. Results-Driven – We focus on delivering measurable outcomes that create value for our partners and our business. Excellent – We strive for excellence in everything we do while balancing short-term performance with long-term success.   If you're excited about joining a team that values collaboration, accountability, and continuous improvement, we'd love to hear from you.     By submitting your application, you acknowledge that you have read and understand our Privacy Policy and Terms & Conditions. APCO Holdings may collect personal information (such as name, contact details, and employment history) to evaluate your candidacy. We may share this data with our subsidiaries, affiliates, and service providers. We retain applicant data only as long as necessary for the hiring process or as required by law.