Sr Financial Analyst

Overview

This full-time position leads liquidity management and funding operations within a banking environment. The role is responsible for liquidity strategy, funding execution, and asset-liability management (ALM) activities. It involves daily liquidity monitoring, funding strategy development, and ensuring compliance with internal policies and regulatory requirements. The position partners with finance leadership and the Asset-Liability Committee (ALCO) to align treasury activities with financial performance and strategic goals. It also supports capital markets activities including loan pricing, secondary market execution, and pipeline management.

The employer hires candidates from Minnesota, South Dakota, Iowa, Wisconsin, Florida, Missouri, and Arkansas.

Responsibilities

Treasury & Liquidity Management:

• Monitor daily liquidity position and ensure compliance with internal policy limits
• Manage funding sources such as core deposits, brokered deposits, FHLB advances, and fed funds lines
• Prepare liquidity forecasts and perform stress testing to support planning and regulatory expectations
• Maintain and periodically test the Contingency Funding Plan (CFP)

Asset-Liability Management (ALM):

• Support ALCO process including preparation of reporting and analysis
• Assist with interest rate risk modeling (Net Interest Income and Economic Value of Equity simulations)
• Analyze deposit trends, loan growth, and cost of funds
• Provide insights to support balance sheet strategy and margin optimization

Finance & Reporting Support:

• Support month-end and quarter-end processes through balance sheet and funding-related analysis
• Assist in financial reporting by providing insight into liquidity, funding costs, and interest income/expense drivers
• Perform variance analysis and support internal management reporting
• Assist with audit requests and regulatory examinations related to treasury and balance sheet

Investment Portfolio and Capital Markets Support:

• Assist in monitoring the securities portfolio including cash flows, duration, and performance
• Support investment activity tracking and alignment with accounting records
• Ensure compliance with investment policy guidelines
• Coordinate with capital markets on hedging strategies and best execution analysis for loan sales
• Provide analytical support for gain-on-sale margin tracking and investor reporting

Capital & Strategic Support:

• Support capital planning and forecasting activities
• Evaluate funding strategies in relation to loan growth and new initiatives
• Assist with stress testing tied to capital and liquidity

Process Improvement & Controls:

• Identify opportunities to improve efficiencies and optimize processes across finance and accounting
• Maintain strong internal controls and documentation
• Support automation and reporting enhancements in partnership with IT and data teams

Requirements

Education:

• Bachelor’s degree in Accounting, Finance, Business, or equivalent experience
• MBA is a plus

Experience:

• 5 to 7 years of experience in treasury, finance, or banking analytics
• Community or regional banking experience preferred
• Demonstrated understanding of liquidity management, funding strategies, and balance sheet dynamics

Skills and Characteristics:

• Strong understanding of bank financial statements and net interest income drivers
• Strong analytical and problem-solving skills with attention to detail
• Experience with CSI, Plansmith, and other financial platforms
• Proficient in Microsoft Excel and financial modeling
• Effective written and verbal communication skills
• Strong time management and organizational skills with ability to manage multiple priorities
• Working knowledge of regulatory expectations related to liquidity and interest rate risk
• Collaborative mindset and ability to operate effectively in a lean environment

Compensation & Benefits

• Annual salary range: $105,000 - $125,000
• Comprehensive benefits package including paid time off, paid holidays, and paid volunteer days
• Medical, dental, and vision insurance
• 401(k) and Employee Stock Ownership Plan (ESOP) retirement plans
• Additional benefits and incentives consistent with company policy

Location

Candidates must be located in or willing to work from Minnesota, South Dakota, Iowa, Wisconsin, Florida, Missouri, or Arkansas.