Senior Analyst, ALM & Treasury

SECU Credit Union; United States; On-site; USD 89,000 - 142,000; Full time

Benefits offered by this job

Medical, vision, dental benefits

401k with company matching

Annual corporate-wide incentives

Job summary

SECU is seeking a Senior Analyst, ALM & Treasury to lead analysis, modeling, and reporting on interest rate risk, liquidity risk, and capital planning. The role focuses on NII/NEV simulations, balance sheet trends, and CECL oversight, with strong emphasis on regulatory compliance and cross‑functional collaboration.

Ideal candidates will have 3–5+ years in treasury/ALM, advanced Excel skills, and experience with ALM tools.

Qualifications

• 3–5+ years of progressive experience in Treasury or ALM at a bank or credit union treasury.

Responsibilities

• Prepare ALM reports, dashboards, and supporting schedules for review.
• Run Net Interest Income (NII) sensitivity and Net Economic Value (NEV) simulations using approved assumptions and procedures.
• Monitor balance sheet trends and forecast variances; provide accompanying analyses to ALM management.
• Assist with liquidity stress testing, cash-flow analysis, and contingency funding reports.
• Support treasury operations including daily cash positioning, funding analysis, and collateral monitoring.
• Ensure compliance with Bank Secrecy Act and related regulations (OFAC, Patriot Act, Fair Lending, Information Security).

Skills

Analytical skills

Attention to detail

Communication skills

Education

Bachelor’s degree in Finance, Accounting, Economics, Mathematics, Statistics, Data Analytics, or a related quantitative field

Advanced degree or professional certification in treasury, risk management, analytics, or financial modeling (preferred)

Tools

QRM

Empyrean

Excel

Job description

Who We Are

At SECU, we put our employees first, recognizing that their well-being and professional development are vital to our success. By fostering a supportive and empowering work environment, our employees are committed to helping members achieve long-term financial security. They are also inspired to give back to the communities we serve by volunteering and spreading kindness, which reflects our core values and who we are as an organization.

Who We Are

At SECU, we put our employees first, recognizing that their well-being and professional development are vital to our success. By fostering a supportive and empowering work environment, our employees are committed to helping members achieve long-term financial security. They are also inspired to give back to the communities we serve by volunteering and spreading kindness, which reflects our core values and who we are as an organization.
Every employee at SECU contributes to our member’s financial well-being, and we’ll always do what’s right for our members, employees, and communities.
Feel good about what you do. Belong to a place where you matter and can make a difference.

What You Will Do

The Senior Analyst, ALM & Treasury supports analysis, modeling, and reporting related to interest rate risk, liquidity risk, capital planning, net interest margin, balance sheet trends, and CECL oversight. The role prepares recurring analyses, reviews results for accuracy, identifies notable trends, and communicates findings to ALM management and internal stakeholders.
The Senior Analyst, ALM & Treasury adheres to regulations and organizational policies, maintaining awareness and knowledge required to perform the duties of the position, including all aspects of the Bank Secrecy Act and related regulations, such as OFAC, and the USA Patriot Act, Fair Lending and Information Security.

A Day In Your Life Might Include

ALM Modeling and Analysis

• 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 elevate 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.

Reporting and Process Support

• 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.

Treasury Operations, Investments and Collateral

• 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.

Governance and Compliance Support

• 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 escalates 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.

Additional Responsibilities May Include

• 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.

Education Requirements

What we need from you:

• Bachelor’s degree in Finance, Accounting, Economics, Mathematics, Statistics, Data Analytics, or a related quantitative field.
• Advanced degree, professional certification, or specialized training in treasury, risk management, analytics, or financial modeling is preferred.

Experience Requirements

• 3–5+ years of progressive experience in Treasury or ALM at a bank or credit union treasury.
• Experience producing or supporting interest rate risk, liquidity risk, capital planning, forecasting, or balance sheet reporting is preferred.
• Strong understanding of balance sheet dynamics, fixed income concepts, funding strategies, deposit behavior, loan prepayment behavior, and macroeconomic drivers.
• Hands‑on experience with ALM modeling software (e.g., QRM, Empyrean), financial reporting tools is preferred.
• Advanced Excel skills are required; practical experience with all Microsoft Office Suite tools is preferred.
• Demonstrates an understanding of SECU’s culture, core values, mission and strategic priorities as it relates to one’s work and overall performance.
• High attention to detail, sound judgment, accountability, and commitment to continuous improvement, innovation, and organizational values.
• 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 escalates 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.

Physical Requirements

• 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.

Compensation Information

Offers will be commensurate with experience and education. Please Note: We typically hire at or below mid-point, which is $115,100 for this role.

• Salary: Min. $88,500 – Max. $141,700

Other Compensation Includes

• Annual corporate-wide incentives

We provide comprehensive benefits, with a focus on total well-being:

• Medical, vision, dental benefits
• 401k plan with company matching
• Generous sick, vacation and personal leave
• And more...2026 SECU Benefits Guide

SECU is committed to fostering a diverse, equitable, and inclusive workforce where all individuals are valued and respected. We take pride in providing equal opportunities for all qualified applicants regardless of race, ethnicity, national origin, gender, sexual orientation, gender identity or expression, religion, military or veteran status, or any other characteristics protected by law.