Asset Liability Analyst at INB National Association
INB National Association · Champaign, United States Of America · Onsite
- Professional
- Office in Champaign
Description
Please note: This is an in-office position located in Champaign, Illinois.
About US:
At INB, a career is more than just a job; it’s a chance to make a meaningful impact in the communities we serve. As a locally owned, community-focused bank, we’re proud to help individuals, families, and businesses achieve their financial goals through personalized service and trusted relationships. Our success is driven by a team that genuinely cares about our customers, our coworkers, and our community. When you join INB, you’re not just joining a workplace; you’re becoming part of a purpose-driven culture built on our core values: Caring, Creative, Teamwork, Balance, Working Smart, and Assertive & Enthusiastic. Together, we make a positive difference every day for our customers and for each other.
Summary
We are seeking a highly motivated and detail-oriented professional to join our Finance team. This individual will be primarily responsible for preparing reports and conducting analysis for the Asset Liability Committee (ALCO) of a $2.5 billion commercial bank. The role requires strong analytical skills, attention to detail, and the ability to synthesize complex financial data into actionable insights for senior management. This position will report directly to the Controller of the bank.
Requirements
Requirements
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily as well as other duties that are assigned. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Essential Duties and Responsibilities
- Interest Rate Risk Management: Prepare and maintain regular interest rate risk (IRR) reports, including net interest income simulations, economic value of equity analysis, and sensitivity stress testing. Monitor trends in interest rate risk exposures and communicate findings to ALCO and executive management.
- Liquidity Risk Management: Develop and update liquidity risk reports, including cash flow forecasts, contingency funding plans, and regulatory liquidity ratios. Analyze deposit trends, wholesale funding strategies, and overall balance sheet liquidity.
- Capital Planning & Reporting: Assist in the preparation of the quarterly capital plan, incorporating projected earnings, balance sheet growth, and stress testing results. Support regulatory capital adequacy analysis and related reporting requirements.
- Profitability Analysis: Prepare profitability reports by line of business, division, or product type to support strategic decision-making. Conduct financial and risk analysis to evaluate business performance and resource allocation.
- ALCO Support: Compile, analyze, and present financial data in clear, concise reports for ALCO meetings. Ensure accuracy, completeness, and timeliness of all reporting deliverables.
Other Duties
Assist in various ad hoc financial modeling, scenario analysis, and reporting requests from executive leadership.
Maintain awareness of regulatory requirements and emerging best practices in risk and financial reporting.
Education and/or Experience
- Bachelor’s degree in accounting, Finance, Economics, or a related field (CFA/CPA preferred).
- 3–7 years of experience in banking, financial analysis, treasury, or risk management.
- Strong understanding of bank balance sheets, interest rate risk, liquidity management, and regulatory capital.
- Proficiency in financial modeling, Excel, and reporting systems (experience with ALM software preferred).
- Excellent analytical, problem-solving, and communication skills.
- Ability to work independently and manage multiple priorities under tight deadlines.
Language Skills
Requires ability to communicate effectively and clearly (both written and verbally); Ability to read, write, and comprehend simple instructions, short correspondence, and memos.
Mathematical Skills
Requires the ability to perform basic mathematical calculations; add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to calculate interest rates and ratios, and interpret graphical data.
Work Environment & Growth
This position offers exposure to senior management decision-making and provides an opportunity to develop expertise in asset/liability management, capital planning, and profitability reporting. Reporting to the Controller, the successful candidate will play a key role in shaping the bank’s financial strategy and risk management framework.
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Salary: The salary range is $85,000 - $105,000 annually.
Group Insurance Benefits and Plans
INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage is also extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all the benefits that are offered.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.
ADA Disclaimer: In developing this job description, care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis.
INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here: Know Your Rights: Workplace discrimination is illegal
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