Note: The job is a remote job and is open to candidates in USA. SECU Credit Union is a member-focused financial institution committed to supporting employees, members, and the communities it serves. The Senior Analyst, ALM & Treasury supports analysis, modeling, reporting, and oversight related to interest rate risk, liquidity risk, capital planning, net interest margin, balance sheet trends, CECL, treasury operations, investments, collateral, and regulatory compliance.
Responsibilities
- Run Net Interest Income (NII) sensitivity and Net Economic Value (NEV) simulations using approved assumptions and procedures and 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, and provide supporting analysis as requested
- 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
- 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
- Prepare ALCO materials, management reports, dashboards, variance analyses, and supporting schedules for review
- Maintain assigned model documentation, procedures, control evidence, and business continuity materials
- Work 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, and 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
- Enterprise reporting capabilities
- 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
Skills
- 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
- Strong understanding of balance sheet dynamics, fixed income concepts, funding strategies, deposit behavior, loan prepayment behavior, and macroeconomic drivers
- Advanced Excel skills are required; practical experience with all Microsoft Office Suite tools is preferred
- Strong analytical skills with the ability to interpret complex financial data, identify trends, validate results, and translate analysis into actionable reporting
- Clearly communicates information, thoughts and ideas in a clear, concise and organized manner
- Identifies opportunities to improve efficiency, reduce errors, or enhance member satisfaction
- Prioritizes tasks effectively to support team goals and organizational timelines
- Applies critical thinking to troubleshoot issues and escalate concerns when appropriate
- Understands the importance of confidentiality, compliance, and ethical behavior in daily responsibilities
- Adapts to changes in processes, tools, or organizational priorities with a positive, solutions-focused approach
- Maintains professionalism in communication, behavior, and representation of SECU
- 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
- Advanced degree, professional certification, or specialized training in treasury, risk management, analytics, or financial modeling is preferred
- Experience producing or supporting interest rate risk, liquidity risk, capital planning, forecasting, or balance sheet reporting is preferred
- Hands-on experience with ALM modeling software (e.g., QRM, Empyrean), financial reporting tools is preferred
Benefits
- Annual corporate-wide incentives
- Medical, vision, dental benefits
- 401k plan with company matching
- Generous sick, vacation and personal leave
Company Overview