Financial Modeling Analyst

Why should you join our team?

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• Commitment to agriculture and the communities we serve
• Family friendly work environment
• Investment in employee development
• Medical, Dental and Vision coverage
• Outstanding 401k - automatic 3% employer contribution, plus match up to 6%
• Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
• Competitive Incentive Compensation Plan
• Disability & Life Insurance
• Employee mental, physical, and financial wellness programs
• The position is bonus eligible based on association and personal performance

Position will be posted until filled.

BASIC FUNCTION:
The Financial Modeling Analyst is responsible for calculating and analyzing net interest income forecasts and balance sheet valuations under various interest rate scenarios, portfolio stress testing, and cash flow modeling to support loan funding and equity positioning strategies. The position collaborates with subject matter experts across various functional areas to build and recommend model assumptions, prepare reporting packages with model output, and complete various financial analysis projects to support the initiatives of the company. The position is responsible for maintaining the integrity and documentation of the asset liability management model, testing the model's accuracy against actual performance or industry benchmarks, and continually working toward operational process improvement and automation.

ESSENTIAL DUTIES:
* Maintain the asset liability management (ALM) model used for to project future cash flows on financial instruments, ensuring database integrity and proper table relationships.
* Load market and portfolio data into the model, ensuring data accuracy.
* Recommend valuation assumptions and calculate market value of equity sensitivity and prepare gap statements under various interest rate scenarios.
* Analyze historical data and financial metrics to recommend net interest income forecasting assumptions for future years and assist with producing the net interest income portion of quarterly financial forecasts.
* Maintain the multi-period forecast configuration in the ALM model and calculate net interest income sensitivity under various interest rate scenarios.
* Perform periodic Association stress tests and produce financial results of the tests.
* Analyze the financial impact of potential strategies related to capital management, funding, loan products, derivatives, or other initiatives.
* Analyze monthly loan prepayments and maintain a loan prepayment database to produce loan prepayment reports.
* Implement and maintain behavioral component models, including but not limited to loan prepayment, loan probability of default, loan recovery given default models.
* Perform back-tests and other model performance validation exercises.
* Collaborate with data subject matter experts in various departments to ensure data quality and proper use within ALM model.
* Administer proper model quality controls, documentation, data mapping, work procedures, and reconciliation processes.
* Continually work to improve operational process, increase automation, or find different approaches to perform processes more efficiently.
* Assist with special project requests from other functional areas.
* Perform other duties as assigned.

TYPICAL EDUCATION AND EXPERIENCE:
Associate Financial Modeling Analyst:
* BA/BS degree with emphasis in finance, financial mathematics, economics or equivalent.
* 0-3 years of experience in financial modeling or financial forecasting.
* Familiarity with SQL language and databases.
* Basic understanding of loan and debt instruments and financial statements.
* Familiarity with procedural controls and data validation techniques.
* Analytical thinker with ability to conduct research and perform data analysis.
* Working knowledge of Microsoft Excel. Demonstrates effective communication skills and attention to detail.
* Experience with Alteryx a plus.
* Experience with Power BI a plus.
* Experience with Kamakura Risk Manager (KRM) software, Quantitative Risk Management (QRM) software, or other cash flow modeling or enterprise risk management systems a plus.

Financial Modeling Analyst:
* BA/BS degree with emphasis in finance, financial mathematics, economics or equivalent.
* 3-7 years of experience in financial modeling or financial forecasting.

* Strong understanding of SQL language, databases and queries.
* Strong understanding of asset, debt, and derivative instruments, financial statements, and finance.

* Strong understanding of MVE, GAP, NII statements and drivers of interest rate risk.
* Working knowledge of procedural controls and data validation techniques.
* Analytical thinker with ability to conduct research, perform data analysis, and recommend resolutions to problems.
* Proficient in Microsoft Excel, and data analysis.
* Experience with Alteryx preferred.
* Experience with Power BI preferred.
* Strong organizational skills and attention to detail.
* Effective presentation, reporting, and communication skills.
* Experience with Kamakura Risk Manager (KRM) software, Quantitative Risk Management (QRM) software, or other cash flow modeling or enterprise risk management systems preferred.

Senior Financial Modeling Analyst:
* BA/BS degree with emphasis in finance, financial mathematics, economics or equivalent.

* At least 7 years of experience in financial modeling or financial forecasting.
* Thorough understanding of SQL language and databases.
* Thorough understanding of asset, debt, and derivative instruments, financial statements, and finance.

* Thorough understanding of MVE, GAP, NII statements and drivers of interest rate risk.

* Strong understanding of ALM strategies.
* Proficient with procedural controls and data validation techniques.
* Independent worker and analytical thinker with ability to conduct research, perform data analysis, conclude findings, and resolve complex problems.
* Proficient in Excel, MS Office, data analysis.
* Experience with Alteryx preferred.
* Experience with Power BI preferred.
* Excellent planning and organizational skills, and attention to detail.
* Excellent written and verbal communication capabilities, as well interpersonal skills. Ability to present concepts to management in a concise yet effective manner.
* Experience with Kamakura Risk Manager (KRM) software, Quantitative Risk Management (QRM) software, or other cash flow modeling or enterprise risk management systems required.

Must have the ability to perform basic office tasks and work in a typical office setting. Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time. Must have strong written and verbal communication skills to adequately convey ideas and work well with a team. Ability to talk and hear, sit and use their hands and fingers, and reach in all directions is essential in performance of the job. Some lifting and moving of items up to 25 pounds required. Work during established business hours and may require occasional weekend and/or evening work.

PAY RANGE:

All hiring is contingent on eligibility to work in the United States. We are unable to sponsor or transfer visas for applicants.

American AgCredit provides equal opportunity in employment to all employees and applicants. We celebrate diversity and do not discriminate on the basis of race, color, creed, religion, national origin, ancestry, alienage or citizenship status, age, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, medical condition, physical or mental disability, pregnancy, childbirth or related medical condition, military service or veteran status, victims of domestic violence, or any other characteristics protected by applicable federal, state, or local laws. American AgCredit prohibits harassment of any individuals on any of the bases listed above.

If you need assistance or an accommodation due to a disability, you may contact us at jobs@agloan.com.