Senior Analyst, ALM & Treasury

Overview

This role supports analysis, modeling, and reporting related to interest rate risk, liquidity risk, capital planning, net interest margin, balance sheet trends, and CECL oversight. The position prepares recurring analyses, reviews results for accuracy, identifies notable trends, and communicates findings to ALM management and internal stakeholders.

The role also adheres to regulations and organizational policies, maintaining awareness and knowledge required to perform the duties of the position, including all aspects of the Bank Secrecy Act and related regulations such as OFAC, the USA Patriot Act, Fair Lending, and Information Security.

Hiring states: AL, CO, DE, FL, GA, IL, MD, MO, NC, NE, OH, PA, SC, TN, TX, VA

Responsibilities

ALM Modeling and Analysis

• Run Net Interest Income (NII) sensitivity and Net Economic Value (NEV) simulations using approved assumptions and procedures; summarize significant changes for review.
• Assist with updating and documenting behavioral assumptions, including deposit decay rates, surge deposit behavior, and loan prepayment speeds.
• Prepare liquidity stress testing, cash-flow analysis, and contingency funding reports; identify and escalate exceptions.
• Prepare funds transfer pricing, profitability, and balance sheet analyses for management review.
• Monitor net interest margin, balance sheet trends, market conditions, and forecast variances; provide supporting analysis as requested.

Reporting and Process Support

• Prepare recurring ALM reports and maintain supporting data, files, and documentation.
• Review source data, model inputs, reconciliations, and outputs for completeness and accuracy; report identified issues to management.
• Assist with updates to workflows, controls, templates, and procedures.
• Provide analytical and technical support to team members and business partners as needed.

Treasury Operations, Investments and Collateral

• Support treasury operations through daily cash positioning, cash forecasting, funding analysis, liquidity monitoring, and recommendations for short-term borrowing or investment actions.
• Complete transaction settlement activities, including verification, confirmations, settlement instructions, documentation, reconciliation, and timely resolution of settlement exceptions.
• Support investment purchases and sales through trade coordination, recordkeeping, related controls, and validation of investment income, premium and discount amortization, and principal and interest cash flows.
• Manage collateral pledging activities by monitoring pledged assets, maintaining required documentation, and ensuring sufficient collateral coverage in accordance with applicable agreements and requirements.

Governance and Compliance Support

• Prepare ALCO materials, management reports, dashboards, variance analyses, and supporting schedules for review.
• Maintain assigned model documentation, procedures, control evidence, and business continuity materials.
• Coordinate with Finance, Accounting, Lending, Deposits, Risk, Internal Audit, Regulatory Affairs, and Technology to gather information and resolve routine data or reporting questions.
• Follow approved policies, limits, controls, and reporting standards; escalate identified exceptions.
• Assist with audit and examination requests by compiling documentation, schedules, and reconciliations.
• Stay informed of relevant regulatory, market, and balance sheet developments and share pertinent information with ALM management.
• Support enterprise reporting capabilities.

Additional Responsibilities

• Assist with ALM models and scenario analyses for product, funding, and balance sheet initiatives.
• Support testing and evaluation of ALM tools, methodologies, and external advisory services as needed.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, Mathematics, Statistics, Data Analytics, or a related quantitative field.
• 3–5+ years of progressive experience in Treasury or ALM at a bank or credit union treasury.

Preferred Qualifications

• Advanced degree, professional certification, or specialized training in treasury, risk management, analytics, or financial modeling.
• Experience producing or supporting interest rate risk, liquidity risk, capital planning, forecasting, or balance sheet reporting.
• Strong understanding of balance sheet dynamics, fixed income concepts, funding strategies, deposit behavior, loan prepayment behavior, and macroeconomic drivers.
• Hands-on experience with ALM modeling software (e.g., QRM, Empyrean).
• Advanced Excel skills; practical experience with all Microsoft Office Suite tools is preferred.
• Experience with analytical and technical support for complex financial reporting.

Compensation & Benefits

Salary: Min. $88,500 – Max. $141,700

Offers are commensurate with experience and education. The organization typically hires at or below mid-point, which is $115,100 for this role.

Other Compensation:

• Annual corporate-wide incentives

Benefits (comprehensive package focused on total well-being):

• Medical, vision, dental benefits
• 401k plan with company matching
• Generous sick, vacation and personal leave
• Additional benefits

Location

Hiring states: AL, CO, DE, FL, GA, IL, MD, MO, NC, NE, OH, PA, SC, TN, TX, VA

Physical Requirements

• Must be able to remain in a stationary position, often standing or sitting for prolonged periods.
• Must be able to lift up to 25 pounds.