Financial Analyst, ALM / Asset Liability Management

Beal Bank USA • Plano, TX

1d • Onsite

About The Position

The ALM Financial Analyst is responsible for end-to-end execution of the institution’s interest rate risk (IRR) measurement program using Empyrean ALM. The role includes data integration and reconciliation, assumption development and maintenance, simulation execution, results analysis, and reporting to the Asset-Liability Committee (ALCO), senior management, and the Board. The analyst is the primary subject-matter expert for the ALM model and supports model governance, validation, and regulatory examination activities.

This is a fully on-site position and is not eligible for remote or hybrid work.

Requirements

• Bachelor’s degree in Finance, Economics, Accounting, Mathematics, or a related quantitative field.
• 3–5 years of experience in asset-liability management, interest rate risk, treasury, or financial analysis within a bank or financial institution.
• Hands-on experience with an ALM modeling platform.
• Solid understanding of bank balance sheet structure, fixed income mathematics, yield curves, and interest rate risk concepts, including NII, EVE, duration, convexity, and repricing gap.
• Advanced Microsoft Excel skills, including data manipulation, lookups, pivot tables, and financial modeling.
• Strong verbal and written communication skills.
• Ability to communicate complex concepts clearly and effectively to diverse professional audiences.
• Ability to work under tight deadlines and with minimal supervision.
• Detail-oriented and well-organized.

Nice To Haves

• Empyrean Cash Flow Forecaster experience is strongly preferred.

Responsibilities

• Administer the Empyrean Cash Flow Forecaster module and manage source-system data loads, reconciling model balances, rates, and income to the general ledger each cycle.
• Execute NII and EVE simulations under rate shocks, ramps, and non-parallel yield curve scenarios; perform stress tests and what-if analyses for ALCO.
• Develop, document, and maintain behavioral assumptions, including loan prepayments, deposit decay rates, and deposit betas, supported by historical studies and sensitivity analysis.
• Maintain model documentation, perform back-testing, and support independent validations and audits consistent with model risk management guidance (SR 11-7).
• Prepare ALCO reporting packages, monitor IRR measures against Board-approved limits, and present results and recommendations to senior management.
• Support compliance with interagency and FFIEC interest rate risk guidance, prepare regulatory examination materials, and assist with annual IRR and ALM policy reviews.
• Participate in assigned special projects related to liquidity risk, funds pricing, hedging, and balance sheet strategy.

Benefits

• Medical coverage
• Dental coverage
• Vision coverage
• 401(k) with company match
• 11 paid holidays
• Accrue up to 17 vacation/sick days per year in the first year on a pro rata basis
• May be eligible for an annual discretionary bonus

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level