Senior Liquidity & Balance Sheet Analyst

First Tech Federal Credit Union; Marlborough (MA); On-site; USD 104,000 - 120,000; Full time

Benefits offered by this job

Medical, dental, vision coverage

401(k) match

PTO: 15 vacation days, 40 sick hours,

3 personal days

11 paid federal holidays

Employee pricing on lending products

Job summary

First Tech Federal Credit Union is seeking a senior liquidity risk analyst to lead complex balance sheet risk analyses and reporting. You will manage cash, forecasts, stress tests, and funding actions across diverse channels to protect liquidity and regulatory readiness.

You will collaborate with leadership, shape planning, and mentor junior analysts while ensuring accuracy and transparency in risk reporting.

Qualifications

• Requires deep understanding of balance sheet, liquidity, interest rate, and market risk principles.
• Ability to analyze complex problems, interpret results, and propose actionable solutions.
• Independent with judgment in selecting analytical methods and approaches.

Responsibilities

• Oversee daily cash position, monitor inflows/outflows, and execute funding actions to meet targets.
• Develop liquidity forecasts across short, intermediate, and long term horizons considering deposits, loans, and investments.
• Design and run liquidity stress tests across scenarios; quantify survival horizons and identify vulnerabilities.
• Maintain and operationalize Contingency Funding Plan with indicators, triggers, and exercises.
• Oversee collateral across FHLB, Fed, and repo; optimize use and report borrowing capacity.
• Manage relationships with brokered deposits and wholesale funding counterparts; monitor capacity.
• Execute brokered CD issuances, FHLB advances, and related funding transactions per plan.
• Produce liquidity metrics and escalate trends toward policy thresholds; support ALCO reporting.
• Contribute to behavioral assumptions for non-maturity deposits and liquidity-sensitive items.
• Prepare clear liquidity reporting for ALCO, senior leadership, and Board.
• Support liquidity components of FTP framework and pricing considerations.
• Engage in regulatory exams and audits; explain methodologies and results.
• Identify improvements to liquidity processes, controls, and models.
• Maintain documentation for liquidity models and controls.
• Partner with leaders to align liquidity with budgeting and capital planning.
• Provide guidance to junior analysts on liquidity analytics and modeling.

Skills

Liquidity risk

Balance sheet

Interest rate risk

Structural risk

Modeling

Analytics

Communication

Education

Bachelors degree or 4 years of related experience

Job description

First Tech Federal Credit Union is seeking a senior liquidity risk analyst to lead complex balance sheet risk analyses and reporting. You will manage cash, forecasts, stress tests, and funding actions across diverse channels to protect liquidity and regulatory readiness.

You will collaborate with leadership, shape planning, and mentor junior analysts while ensuring accuracy and transparency in risk reporting.