ALM Associate - Balance Sheet Analyst

Position Overview

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As a ALM Associate- Balance Sheet Analyst within PNC's Finance organization, you will be based in New York City, New York.

PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

This role is highly technical in nature and requires strong programming, data engineering, database management, and analytical development skills to support balance sheet valuation and interest rate risk management.

Job responsibilities

• Own, maintain, and enhance databases supporting QRM balance sheet valuation and interest rate risk analytics.
• Develop, maintain, and optimize production code, analytical tools, and scalable reporting solutions to improve reliability, efficiency, and analytical capabilities.
• Build automated processes for data preparation, reconciliation, quality control, reporting, and routine risk analysis.
• Leverage QRM data and outputs to create record-level analytics that provide deeper insight into balance sheet positions, valuation drivers, and risk exposures.
• Support daily and monthly production of balance sheet analytics, including troubleshooting, exception management, and resolution of time-sensitive issues.
• Investigate unexpected results and data anomalies within the QRM environment, partnering with technology teams and subject matter experts to identify and resolve root causes.
• Collaborate with balance sheet analysts, portfolio managers, financial modelers, risk management, finance, and technology stakeholders to translate business requirements into practical data and reporting solutions.
• Maintain robust technical documentation, operating procedures, controls, and backup coverage for critical processes.
• Support regulatory, audit, model risk, and governance initiatives related to balance sheet valuation and interest rate risk management.
• Identify and implement automation and AI-driven opportunities while maintaining appropriate controls, transparency, and production stability.

Required qualifications

• Bachelor's degree in Computer Science, Data Science, Financial Engineering, Financial Mathematics, Statistics, or a related quantitative field.
• Strong software development and programming skills, including proficiency in Python and SQL.
• Experience working with large, complex financial datasets and developing scalable data pipelines, analytical tools, and production reporting solutions.
• Strong analytical, problem-solving, and communication skills, with the ability to explain technical concepts to business and risk stakeholders.
• Demonstrated attention to detail and the ability to manage independent, time-sensitive deliverables.
• Solid understanding of financial statements, balance sheet products, and interest rate risk concepts.

Preferred qualifications

Master's degree or higher in Computer Science, Data Science, Financial Engineering, Financial Mathematics, Statistics, or a related quantitative discipline.PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Job Description

• Using independent judgement on methods, performs financial analysis, conducts research and prepares reports. Performs due diligence and statistical analysis related to the balance sheet. Participates in stress testing efforts.
• Based on own discretion, researches and collects information for PNC's balance sheet.
• Manages and performs defined procedures, analysis and report preparation for decision making tasks. Performs data aggregation and quality assurance to ensure timely and accurate management reporting.
• Prepares and aggregates data for modeling activities. Reconciles and performs quality review of data.
• Consult with lines of business in responding to various ALM requirements.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

• Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Qualifications

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensuresneeded to be successful in this position.

Preferred Skills

Balance Sheets, Bookkeeping, Budget Management, Cash Flow Statements, Corporate Accounting, Financial Operations, Managerial Finance, Public Accounting, Revenue Recognition

Competencies

Accuracy and Attention to Detail, Asset and Liability Management (ALM), Data Gathering and Reporting, Effective Communications, Financial Analysis, Financial Forecasting and Modeling, Financial Services Industry, Market Risk, Regulatory Environment - Financial Services

Work Experience

Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Education

Bachelors

Certifications

No Required Certification(s)

Licenses

No Required License(s)

Language Assessments

No Required or Preferred Language Assessments

Pay Transparency

Base Salary: $90,000.00 - $150,000.00Salaries may vary based on geographic location, market data and on individual skills, experience, and education.

Application Window

Generally, this opening is expected to be posted for two business days from 09/09/2026, although it may be longer with business discretion.

Benefits

PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.

To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com.

Disability Accommodations Statement

If an accommodation is required to participate in the application process, please contact us via email at [email protected]. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.

Equal Employment Opportunity (EEO)

PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

California Residents

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