The Role
The Balance Sheet & Margin Analyst supports Asset Liability Management through financial analysis, balance sheet forecasting, and net interest margin evaluation.
Summary Generated by Built In
Job Summary & Responsibilities
Bachelor's Degree in finance or related field of study required Master's Degree in Finance (MSF) or MBA equivalent strongly preferred
This is a hybrid position in Miami Lakes, FL
SUMMARY: The Balance Sheet & Margin Analyst will support the Asset Liability Management (ALM) function through detailed financial analysis, balance sheet forecasting, and net interest margin (NIM) evaluation. This role is responsible for bridging forecasting processes across systems, enhancing analytical rigor, and delivering actionable insights to optimize balance sheet performance. This position reports directly to the Balance Sheet Asset Liability Manager and plays a key role in refining the bank's ALM framework through data-driven analysis and cross-functional collaboration, as well as lending support to the forecasting and planning process.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.
- Supports dynamic balance sheet forecasting and net interest margin (NIM) analysis
- Serves as a bridge between forecasting platforms (e.g., Axiom) and internal ALM systems (Moody's ZMDesk) to ensure consistency and data integrity
- Conducts deep-dive analysis across major balance sheet portfolios
- Partners with Finance, Treasury, and Risk teams to align forecasting methodologies and outputs
- Develops reporting and presentations for senior management, translating complex analytics into clear insights
- Continuously identifies opportunities to enhance ALM and forecasting processes, models, and reporting capabilities
- Owns and execute back testing routines to validate model assumptions and improve forecasting accuracy
- Leads internal deposit studies, including trend analysis, decay modeling, and behavioral assumptions
- Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
- Adheres to Bank policies and procedures and completes required training.
- Identifies and reports suspicious activity.
EDUCATION
Bachelor's Degree in finance or related field of study required Master's Degree in Finance (MSF) or MBA equivalent strongly preferred
EXPERIENCE
- Minimum 3 years of experience in Financial Planning & Analysis (FP&A) or related field required.
- Demonstrated advanced Microsoft Excel skills, including pivot tables, lookups (VLOOKUP/XLOOKUP), and Excel add‑ins, with experience using Excel to support financial modeling, forecasting, and analytical reporting is strongly desired.
KNOWLEDGE, SKILLS AND ABILITIES
- Strong analytical and quantitative skill set with a focus on financial modeling required.
- Proficiency in Microsoft Office Suite; Strong Excel skills required.
- General understanding of banking products and balance sheet dynamics; exposure to banking asset liability management functions is a plus.
- Strong communication and presentation skills.
- Ability to translate complex data into actionable business insights.
- High attention to detail and intellectual curiosity.
- Proven ability to work cross-functionally and manage multiple priorities.
- Proactive, ownership-driven mindset.
ADDITIONAL INFORMATION
- Candidates residing in locations within BankUnited's footprint may be given preference.
Top Skills
Axiom
Excel
Microsoft Office Suite
Moody'S Zmdesk
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The Company
What We Do
BankUnited, Inc., with total consolidated assets of $35.2 billion at March 31, 2021, is a bank holding company with one wholly owned subsidiary, BankUnited. BankUnited, a national banking association headquartered in Miami Lakes, Florida, provides a full range of banking services to individual and corporate customers through banking centers in Florida and New York. The Bank also provides certain commercial lending and deposit products on a national platform. Here at BankUnited, we endeavor to provide, through experienced lending and relationship banking teams, personalized customer service and offer a full range of traditional banking products and services to both commercial and retail customers.
