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JOB FUNCTION / SUMMARY:
Senior ALM Analysts are responsible for modeling and quantification the Interest Rate Risk and Liquidity Risk associated with management of the Bank’s Balance Sheet and the communication of these risks to the Bank’s ALCO and associated Sub-Committees. The Senior ALM Analyst will also recommend on-balance and off-balance sheet strategies for minimizing of these risks and well as participate in other Treasury based functions which support Banking operations such as Loan Pricing, Funds Transfer Pricing methodologies, and Investment Portfolio analysis.
ESSENTIAL DUTIES & RESPONSIBILITIES:
- Operates and maintains the ALM Model (Empyrean Solutions), as well as other proprietary models developed by Corporate Treasury including the Deposit Analytics Model and Liquidity Stress Test Model.
- Responsible for providing analysis, creating presentations, and communicating recommendations to sub-committees of the Bank’s ALCO.
- Provide guidance, leadership and expertise to other ALM Analysts.
- Provide guidance on product construction, loan structuring and FTP to other managers and senior associates.
- Assists in providing lenders guidance on loan pricing which requires knowledge of Bank’s loan pricing models.
- Responsible for reviewing and coordinating all documentation for IRR, Deposit and Liquidity Models.
- Assists the ALM Manager and/or Assistant Treasurer in managing Model Reviews with External Vendors and Internal Model Governance
- Analyzes Asset/Liability (ALM) Model data by performing trend analysis and other statistical or quantitative techniques via Business Intelligence tools. ( SAS, SQL, Power BI, Power Query, Excel Pivot Tables)
- Prepares reports for Asset Liability Committee (ALCO) and ALCO subcommittees and Corporate Treasury
- Assists with modeling ad hoc strategies and balances sheet optimization.
- Develops and periodically calibrates and back tests assumptions used in modeling.
- Meets with representatives from Retail, Commercial, Business Banking product management… etc. in order to understanding products and their behaviors in order to address potential risk factors embedded in the product and to model them correctly.
- Analyzes the impact of potential risk mitigation strategies using both off-balance sheet derivatives and other on-balance sheet methods.
- Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
SUPERVISORY RESPONSIBILITIES:
No
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
- Bachelor's degree preferably in finance, accounting, economics or related field.
- 5 years related experience and/or training required. 7 years preferred.
- CFA designation or Master’s in Finance required.
- Experience should include financial modeling in additional to working with large complex data sets and time series/regression analysis. (Tableau, Power BI, Power Query)
- An equivalent combination of education, experience, and/or training may be considered.
- Requires advanced analytical skills including analyzing and synthesizing qualitative and quantitative information.
- Requires advanced understanding of ALM models
- Requires high-level knowledge of loan, deposit, investment, and derivative products.
- Experienced level understanding of accounting principles (Balance sheet and income statement composition).
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
- Ability to travel if required to perform the essential job functions
- Ability to work under stress and meet deadlines
- Ability to operate related equipment to perform the essential job functions
- Ability to read and interpret a document if required to perform the essential job functions
- Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.
Skills Required
- Bachelor's degree (finance, accounting, economics or related)
- 5 years related experience (7 years preferred)
- CFA designation or Master's in Finance
- Experience with financial modeling, large complex datasets, time series and regression analysis
- Experience with BI and analytics tools (Tableau, Power BI, Power Query, SAS, SQL, Excel Pivot Tables)
- Advanced analytical skills (analyzing and synthesizing qualitative and quantitative information)
- Advanced understanding of ALM models
- High-level knowledge of loan, deposit, investment, and derivative products
- Experienced-level understanding of accounting principles (balance sheet and income statement composition)
Hancock Whitney Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Hancock Whitney and has not been reviewed or approved by Hancock Whitney.
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Healthcare Strength — Core coverage includes medical, dental, vision, telehealth, and FSAs, with options such as a PPO and a CDHP. The CDHP includes company HSA contributions, and multiple comments characterize medical coverage as good or worth the premium.
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Retirement Support — A 401(k) offers a company match plus an additional employer contribution, with a true-up and an ESPP available. This structure is presented as competitive for a regional bank.
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Leave & Time Off Breadth — Time away includes vacation, sick leave, volunteer time, and bonding leave for birth/adoption/foster placement. The program outlines 11 paid holidays and front-loaded sick time, with vacation accruals that increase by role/tenure.
Hancock Whitney Insights
What We Do
We create opportunities for our clients and the communities we serve. We offer a wide array of banking and financial services at locations in Alabama, Florida, Louisiana, Mississippi and Texas. Through a steadfast commitment to our century-old core values we’ve created a company culture built around respect, diversity and teamwork that recently landed Hancock Whitney on Forbes’ list of America’s Best Midsize Employers. Our core values are lived out by the actions of our associates throughout our footprint. Commitment to service is not just something that we say on a poster. Its lived out in the actions of the women and men that seek to provide exceptional service every day in our local communities.
