Senior Liquidity Analyst

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees.  Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Senior Liquidity Analyst

ACCOUNTABILITY STATEMENT

The Senior Liquidity Analyst plays a critical role within the Treasury function, focusing on the monitoring, analysis, and strategic management of the organization’s liquidity position. This role combines hands-on liquidity reporting and forecasting with advanced modeling, stress testing, and exposure analysis. The analyst will collaborate with cross-functional teams and senior leadership to ensure robust liquidity risk management practices, regulatory compliance, and support for strategic initiatives.
In addition to calculating and preparing liquidity measures, the position is expected to forecast cash flows and identify trends for borrowing needs or investment opportunities. The position is also expected to maintain a working knowledge of early warning indicators to notify Treasury staff of situations that could contribute to a breach. An understanding of data and calculations is critical to identify data integrity concerns.

ESSENTIAL RESPONSIBILITIES

Liquidity Management & Reporting

• Lead daily monitoring and reporting of liquidity positions, including ACH and wire activity.
• Develop and maintain near- and long-term cash flow forecasts using the Asset-Liability Management (ALM) model.
• Calculate and analyze liquidity ratios and early warning indicators.
• Prepare and present liquidity materials for CMRC and other governance committees.
• Manage wholesale funding sources and ensure effective collateral management.

Stress Testing & Scenario Analysis

• Design and execute liquidity stress testing scenarios, including forward cash exposure and contingency funding analysis.
• Evaluate liquidity risk under various macroeconomic and business scenarios.
• Support the execution and periodic review of the Liquidity Policy and Contingency Funding Plan.
• Assist in the development of stress testing assumptions and documentation for regulatory and internal use.

Modeling & Derivatives Exposure

• Manage collateral requirements and settlement processes for derivative positions.
• Contribute to enterprise-level forecasts and Net Interest Income (NII) / Net Interest Margin (NIM) attribution analyses.
• Assist in behavioral modeling of deposits and prepayment assumptions.
• Support analysis of derivative instruments (e.g., repos, reverse repos) and their impact on liquidity.
• Recommend enhancements to liquidity and ALM models and reporting frameworks.

Wholesale Borrowing Management

• Assist in analyzing pricing, periodic interest payments, and margin settlements for non-member and brokered deposits.
• Ensure compliance with internal policies and regulatory requirements related to funding and hedging instruments.
• Manage external relationships with brokers and non-member deposit sources and produce monthly reporting related to diversification and risk limits.
• Coordinate with counterparties and custodians to ensure timely and accurate processing of transactions.

Cross-Functional Collaboration

• Support the annual budgeting and regulatory examination processes.
• Partner with FP&A, Risk, and Audit teams to ensure alignment on liquidity risk metrics and controls.
• Identify and implement process improvements and reporting efficiencies.
• All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

JOB QUALIFICATIONS

EDUCATION

Required:

• Bachelor’s degree in Accounting, Finance, Economics, Engineering, Statistics, or a related quantitative field is required
• Completion or progress towards MBA or Master’s in quantitative finance discipline, CFA or FRM designation is preferred
• EXPERIENCE
• 3+ years of experience in liquidity risk, ALM, or treasury functions within a financial institution.
• Experience with liquidity modeling, stress testing, and regulatory reporting preferred.

KNOWLEDGE, SKILLS, & ABILITIES

• Proficient in Microsoft Excel and other Office tools.
• Experience with ALM systems such as ZM Desk, QRM, FiServ, Empyrean is preferred.
• Experience with Bloomberg and or fixed income portfolio systems such Yield Book or BondEdge is preferred.
• Familiarity with derivatives, repurchase agreements, and liquidity contingency planning.
• Strong analytical and problem-solving skills with attention to detail.
• Excellent verbal and written communication skills.
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
• Demonstrates initiative, accountability, and a collaborative mindset.

• DISCLAIMERS AND WORK ENVIRONMENT
• Nothing in this position description is an implied contract for employment.  The position description is intended to be an accurate account of the essential functions.  The functions are not all encompassing and are subject to change at any time by management.

The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening.  Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources