Senior Liquidity Risk & Funds Management Analyst

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

Benefits offered by this job

Generous 401k match

Paid Time Off

Paid holidays

Job summary

First Tech Federal Credit Union is seeking a senior liquidity risk analyst to lead complex analysis and reporting related to balance sheet risk, liquidity and funding strategies. This role drives improvements in processes, models, and reporting, and serves as a knowledgeable resource for peers and cross-functional partners.

The role focuses on forecasting liquidity, stress testing, CFP activation, funding negotiations, and regulatory readiness, partnering with ALCO and executives to align

Qualifications

• Required Education: Bachelor’s degree or 4 additional years of relevant experience in lieu of a degree.
• Required Experience: 4 - 6 years of relevant experience.
• Deep understanding of balance sheet, liquidity, interest rate, and/or market risk principles and methodologies.
• Demonstrated ability to analyze complex problems, interpret nuanced results, and recommend actionable solutions.
• High level of independence with strong judgment in selecting analytical methods and approaches.
• Proficiency with advanced modeling, analytics, or reporting tools; ability to improve or develop new methods.
• Strong communication skills for translating complex concepts to varied audiences.

Responsibilities

• Own the daily cash position process, including monitoring inflows/outflows, projecting end-of-day balances, and executing funding actions to maintain target operating cash levels and regulatory minimums.
• Develop, maintain, and continuously improve short-, intermediate-, and long-term liquidity forecasts incorporating loan growth, deposit behavior, investment cash flows, borrowings, and contingent funding needs.
• Design, execute, and interpret liquidity stress tests across various scenarios; quantify survival horizons, identify vulnerabilities, and recommend mitigating actions.
• Maintain and operationalize the Contingency Funding Plan (CFP), including early warning indicators, escalation triggers, playbooks, and periodic tabletop exercises to validate readiness.
• Oversee pledged collateral across FHLB, Federal Reserve Discount Window, repo, and other secured funding sources; optimize collateral utilization, monitor haircuts, and ensure accurate reporting of borrowing capacity.
• Manage day-to-day relationships with brokered deposit platforms, wholesale funding counterparties, FHLB, and the Federal Reserve; negotiate terms, monitor capacity, and maintain readiness across all funding channels.
• Execute brokered CD issuances, FHLB advances, and other wholesale funding transactions in alignment with the funding plan, policy limits, and ALCO-approved strategies.
• Produce and analyze key liquidity metrics (e.g., on-balance-sheet liquidity, available borrowing capacity, stress coverage ratios, concentration measures, loan-to-share/deposit ratios) and proactively elevate trends approaching policy or risk-appetite thresholds.
• Contribute to the development of behavioral assumptions for non-maturity deposits, loan prepayments, line utilization, and other liquidity-sensitive items; document rationale, sensitivities, and limitations.
• Prepare clear, concise liquidity reporting for ALCO, senior leadership, and the Board, translating complex analytics into actionable insights tied to risk appetite and strategic objectives.
• Contribute to the liquidity components of the Funds Transfer Pricing (FTP) framework, including liquidity premiums and contingent liquidity charges that inform product pricing and balance sheet decisions.
• Serve as a primary liquidity point of contact for regulatory exams, internal/external audits, and model validations; explain methodologies, assumptions, and results with clarity and confidence.
• Identify, recommend, and implement improvements to liquidity processes, controls, models, and reporting to enhance accuracy, efficiency, and resilience.
• Maintain comprehensive documentation for liquidity models, assumptions, processes, and controls to support transparency, auditability, and regulatory readiness.
• Partner with business leaders to align liquidity strategy with budgeting, forecasting, capital planning, and broader balance sheet initiatives.
• Provide technical guidance and review to junior analysts on liquidity analytics, modeling, and reporting, ensuring quality and sound judgment.

Skills

Liquidity risk analysis

Financial modeling

Communication skills

Independent judgment

Analytical problem-solving

Regulatory reporting

Education

Bachelor's degree or equivalent experience

Tools

Advanced modeling tools

Job description

First Tech Federal Credit Union is seeking a senior liquidity risk analyst to lead complex analysis and reporting related to balance sheet risk, liquidity and funding strategies. This role drives improvements in processes, models, and reporting, and serves as a knowledgeable resource for peers and cross-functional partners.

The role focuses on forecasting liquidity, stress testing, CFP activation, funding negotiations, and regulatory readiness, partnering with ALCO and executives to align