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.

Responsibilities

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

Funding

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

Forecasting

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

Knowledge

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)

Skills

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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