Asset Liability Management Analyst

St. Paul, MN
Full Time
Treasury - Asset Liability Management
Entry Level

Position Purpose
As a key member of the Asset Liability Management team in AgriBank's Treasury department, you will be a part of AgriBank’s mission to support the people who feed the world. The Asset Liability Management (ALM) Analyst analyzes balance sheet risks, positions, and performance for AgriBank’s $140+ billion balance sheet. Through understanding and use of the funding process and model for loans and investments, the ALM Analyst contributes to the funding decisions for balance sheet activity.  This role also supports forecasting net interest income and the balance sheet managers by analyzing investment and hedging strategies.


Balance Sheet Management and Financial and Risk Analysis

  • Develops, designs, and completes in-depth analyses to understand and support the management of various balance sheet risks, with direction from others
  • Uses sophisticated financial models to assess risk and evaluate strategies
  • Develops and prepares management reports and executive summaries on AgriBank’s balance sheet strategies, risks, positions, and performance for a variety of audiences
  • Interprets reports and results to support recommendations to manage the balance sheet and associated risks
  • Improves reporting and analytics, which includes enhancing compliance and management reports and advancing in-house developed financial models and analyses
  • Supports the Balance Sheet Managers by understanding and contributing to investment and hedging strategies
  • Monitors financial and interest rate markets and relationships to identify trends to recommend and support strategies
  • Collaborates with the Treasury Risk Management and Loan Pricing teams to ensure appropriate modeling and measurement of AgriBank’s balance sheet and interest rate risks
  • Supports the evaluation of new lending products and assists in designing the construction, optionality, and characteristics of lending products
  • Monitors compliance with Treasury operating guidelines and Asset Liability Committee (ALCO) limits


  • Understands and uses the funding process and model for loans and investments
  • Analyzes and forecasts balance sheet activity to assist with preparing a monthly funding plan
  • Produces analyses to help determine the amount and structure of debt to issue, within approved strategies, guidelines, and limits, to fund and manage interest rate and liquidity risk
  • Provides research to support funding actions and strategies based on understanding loan and investment activity and positions
  • Monitors special loan pricing activity and provides support for recommended funding actions
  • Analyzes and supports the decision to exercise options on callable bonds
  • Supports the development and design of the funding process model


  • Compiles data and analysis to support the modeling of forecasted balances by month of all loan, investment, and debt accounts, assets and liabilities, and various income and expense components including funding differential and fee income
  • Reviews results and ongoing forecasts to help support the analysis and explanation of changes in AgriBank's Treasury department's elements of the business plan
  • Contributes to updates with the Controllers department and Enterprise Risk Management team through the business planning and forecast update cycles

Projects and Governance

  • Contributes to continuous process improvement, leveraging best practices, standardization, and automation
  • Leads or supports Treasury projects relative to balance sheet management, funding, forecasting, or interest rate risk management
  • Supports governance of Treasury models, analysis, and reporting
  • Compiles monthly materials for Market Risk Committee, ALCO, AgriBank's board of directors and other Farm Credit System recipients

Other Duties as Assigned

Education and Experience

  • Bachelor’s degree in finance, statistics, actuarial science, mathematics, engineering, computer science or a related field
  • 1-3 years' related experience
  • Or an equivalent combination of education and experience sufficient to perform the essential functions of the job


  • Intermediate knowledge of QRM software
  • Intermediate knowledge of banking industry lending, funding, investments, hedging and asset/liability management practices
  • Intermediate knowledge of financial, economic, and statistical concepts
  • Intermediate knowledge of financial markets and macroeconomic assessment
  • Basic knowledge of US Generally Accepted Accounting Principles (GAAP)


  • Intermediate proficiency with statistical software or statistical spreadsheet tools (e.g., R, Python, MATLAB, Power BI)
  • Intermediate proficiency with structured query language (SQL) and relational databases
  • Intermediate proficiency in querying large data sets

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