Asset Liability Management (ALM) Associate - Balance Sheet Analytics

PNC; Cleveland (OH); Presencial; USD 75 000 - 150 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Medical/prescription coverage

401(k) with PNC match

Pension and stock purchase plans

Education assistance

Wellness program

Resumo da oferta

PNC seeks an ALM Associate Balance Sheet Analytics professional based in Cleveland, OH or New York City, NY to own liability categories, produce data packages, and run daily balance sheet analytics with clear communication to senior managers.

The role emphasizes collaboration with modeling, automation ideas using AI, and ensuring robust controls, with 2+ years' experience and a related bachelor's degree.

Qualificações

• Bachelor's degree in finance, accounting, economics, mathematics, computer science, or similar.
• Moderate experience with SQL and Microsoft Excel.
• Strong analytical, problem-solving, and communication skills.
• Ability to explain technical concepts to business and risk stakeholders.

Responsabilidades

• Own liability categories on the balance sheet (deposits, borrowings, etc.).
• Produce timely deposit data packages and analytics.
• Perform daily balance sheet analytics and communicate changes to senior managers.
• Support requests from market risk, model risk, audit, and external regulators.
• Maintain robust documentation, controls, and backup procedures.
• Collaborate with modeling team on enhancements.
• Identify automation / AI opportunities while ensuring controls.

Conhecimentos

SQL

Microsoft Excel

Analytical thinking

Communication

Attention to detail

Formação académica

Bachelor's degree

Ferramentas

QRM software

Descrição da oferta de emprego

Position Overview

R235531

Job Profile

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As a ALM- Associate Balance Sheet Analytics within PNC's Finance organization, you will be based in Cleveland, OH or New York City, NY.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

Job Responsibilities

• Own the liability categories on the balance sheet, including transaction deposits, time deposits, borrowings, and other liabilities.
• Produce timely packages of deposit data and analytics.
• Perform the daily balance sheet analytics process, ensure proper outputs and be able to communicate changes and elevate issues to senior managers.
• Support the team with requests from market risk, model risk, audit, and external regulators for your areas of responsibility.
• Maintain robust technical documentation, operating procedures, controls, and backup coverage for critical processes under your span of responsibility.
• Collaborate with modeling team on model enhancements.
• Identify and implement automation and AI-driven opportunities while maintaining appropriate controls, transparency, and production stability.

Required Qualifications

• Bachelor's degree in finance, accounting, economics, mathematics, computer science, or similar.
• Moderate experience with SQL and Microsoft Excel.
• Strong analytical, problem-solving, and communication skills, with the ability to explain technical concepts to business and risk stakeholders.
• Demonstrated attention to detail and the ability to manage independent, time-sensitive deliverables.

Preferred Qualifications

• Prior experience in ALM, balance sheet management, treasury, market risk, or interest rate risk.
• Hands‑on experience with Quantitative Risk Management (QRM) software and knowledge of QRM valuation, economic value of equity, duration of equity, net interest income, key‑rate risk, balance sheet forecasting, analytics, reporting, and output structures.
• Solid understanding of financial statements, balance sheet products (loans, deposits, fixed‑income securities, derivatives), and interest rate risk concepts.
• Experience or interest in use of AI for automation purposes.

Job Description

• Using independent judgement on methods, performs financial analysis, conducts research and prepares reports. Performs due diligence and statistical analysis related to the balance sheet. Participates in stress testing efforts.
• Based on own discretion, researches and collects information for PNC's balance sheet.
• Manages and performs defined procedures, analysis and report preparation for decision making tasks. Performs data aggregation and quality assurance to ensure timely and accurate management reporting.
• Prepares and aggregates data for modeling activities. Reconciles and performs quality review of data.
• Consult with lines of business in responding to various ALM requirements.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

• Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Qualifications

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.

Preferred Skills

• Balance Sheets
• Bookkeeping
• Budget Management
• Cash Flow Statements
• Corporate Accounting
• Financial Operations
• Managerial Finance
• Public Accounting
• Revenue Recognition

Competencies

• Accuracy and Attention to Detail
• Asset and Liability Management (ALM)
• Data Gathering and Reporting
• Effective Communications
• Financial Analysis
• Financial Forecasting and Modeling
• Financial Services Industry
• Market Risk
• Regulatory Environment - Financial Services

Work Experience

Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Education

Bachelors

Certifications

No Required Certification(s)

Licenses

No Required License(s)

Language Assessments

No Required Or Preferred Language Assessments

Pay Transparency

Base Salary: $75,000.00 – $150,000.00

Salaries may vary based on geographic location, market data and on individual skills, experience, and education.

Application Window

Generally, this opening is expected to be posted for two business days from 09/14/2026, although it may be longer with business discretion.

Benefits

• medical/prescription drug coverage (with a Health Savings Account feature)
• dental and vision options
• employee and spouse/child life insurance
• short and long-term disability protection
• 401(k) with PNC match
• pension and stock purchase plans
• dependent care reimbursement account
• back‑up child/elder care
• adoption, surrogacy, and doula reimbursement
• educational assistance, including select programs fully paid
• robust wellness program with financial incentives
• maternity and/or parental leave
• up to 11 paid holidays each year
• 9 occasional absence days each year, unless otherwise required by law
• between 15 to 25 vacation days each year, depending on career level
• years of service

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at [e-mail]. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

Equal Employment Opportunity

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

California Residents

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