Financial Analyst III - Treasury and Investments

Overview

Position: Financial Analyst III - Treasury and Investments

Status: Exempt

Reports To: VP - Treasury and Investment Officer

Department: Treasury

Job Code: 11525

Pay Range: $93,700.00 - $105,000.00 annually

Location: Remote in California only

This role supports oversight of product pricing (loans and deposits), liquidity, business and investment services, interest rate risk, investments, and capital market activities. The position involves finance, accounting, and treasury-related functions including trade operations, data preparation, market research, financial reporting, financial analyses, and maintaining financial systems/models related to treasury and investment functions. Cross-training in various finance and treasury analytical functions is expected, with involvement in special projects leveraging technical and predictive analytical tools for data-driven results.

Responsibilities

• Support product pricing reports and develop dashboards for loans and deposits to assist rate change proposals and improve treasury-related reports.
• Provide analytical support to the Asset Liability Committee (ALCO) through analysis and written presentations of loan and deposit products.
• Assist with funds transfer pricing (FTP) analysis, liquidity analysis, asset liability management (ALM) analysis, yield analysis, portfolio performance, market research, and competitor rate research.
• Conduct in-depth market research and risk/reward analysis on product pricing and investments.
• Support investment-related reporting, capital markets activities (loan participations purchase or sales), trade operations including security transaction reports, collateral management, rate change communications, invoices, trade blotters, settlements, wire payments, trade reconciliations, safekeeping, and pledging.
• Assist with liquidity reporting and analysis.
• Participate actively in ALM meetings and discussions, leveraging ALM for product pricing proposals and investment analysis.
• Support funding/borrowing or leverage reporting and activities.
• Assist with ALCO, Board, and other ad hoc management and internal regulatory reporting.
• Support business and investment services reporting.
• Use PowerBI, SQL, R, Python, SAS, and/or Excel to aggregate data sources and summarize reviews into actionable insights for senior management.
• Assist with quarterly call reports related to investments.
• Continuously seek to improve processes, reports, and tools to increase business value and efficiency.
• Prepare data, support spreadsheets, provide analytics, and develop reports to evaluate product pricing and investment performance.
• Develop and maintain metrics, graphs, reports, and analytical tools to monitor product pricing.
• Lead use of advanced data analytics tools to build trend analysis reports and present actionable insights.
• Ensure accuracy and timeliness of all reports.
• Coordinate assessment of industry trends, market, product, member, and channel performance to identify gaps and value areas.
• Update and maintain financial models such as NPV, FTP, scenario analyses, cash flow, cost-benefit, beta analysis, share volatility, and liquidity models.
• Lead analysis and synthesis of financial results into meaningful recommendations with clear visual presentations.
• Utilize business intelligence tools and financial information systems for analyses and reporting.
• Develop understanding of general ledger accounts, balance sheet components, income statements, key ratios, and financial data related to product pricing, ALM, liquidity, and investments.
• Maintain knowledge of state and federal laws and regulations related to credit union compliance.
• Provide deep-dive analyses into financial performance metrics, trends, and anomalies to support business initiatives.
• Maintain procedure and process manuals for recurring tasks.
• Assist in routine preparation of financial reports analyzing performance by channels, markets, and peers.
• Analyze monthly financial statements and communicate variances.
• Learn lending/deposit rates, policies, and procedures impacting responsibilities.
• Review or validate work of other Financial Analysts as needed.
• Prepare ad hoc financial models, analyses, visualizations, and presentations for management and committees.
• Collaborate with leadership and other analysts on complex analyses to add business value.

Specializations May Include

• Product Pricing (Loans & Deposits)
• Loan & Deposit Portfolio Analysis
• Business Bank & Investment Services
• Treasury Functions (Trade Operations & Collateral Management)
• Liquidity
• Asset/Liability Management (ALM)
• Financial Reporting
• Investments
• Market Research
• Capital Markets
• Secondary Marketing
• Membership Analysis
• Wholesale Funding/Borrowing

Qualifications

Education

• Bachelor's degree required in finance, accounting, mathematics, economics, business administration, information technology, or another quantitative field. Other degrees considered with relevant experience and strong technical skills.

Experience

• Minimum 5 years of progressive finance, accounting, banking/credit union experience or 5+ years of analytical and strong technical experience.

Knowledge and Skills

• Advanced Microsoft Excel skills including formulas, functions, pivot tables, dashboard creation, Power Query, data connections, and macros.
• Experience building advanced dashboards with business intelligence tools.
• Ability to use statistical programs and data wrangling tools for complex datasets and advanced analyses.
• Strong research, quantitative and qualitative data collection, and report building skills.
• Self-starter with strong time management and organizational skills; ability to multitask and work independently.
• Excellent verbal and written communication skills with ability to present complex data clearly.
• Detail-oriented, critical thinker, problem solver with eagerness to learn new technical skills.
• Advanced technical skills or experience in one or more of the following: Bloomberg API, S&P Global API, R, Power BI, Python, VBA, SQL, Fixed Income Security Analysis, Bond Accounting, Security Settlement & Wire Confirmation, Asset/Liability Management, Cash & Liquidity Management.
• Intermediate knowledge of Microsoft Power BI (building visuals, Power BI Desktop), SAS Enterprise Guide (data manipulation and aggregation), VBA coding, SQL programming (select statements, joins, temp tables, complex queries), R and Python programming.
• Proficient in Microsoft PowerPoint, Word, Outlook, Teams, and PDF creation/editing tools.

Physical Requirements

• Prolonged sitting with occasional mobility.
• Corrected vision and hearing within normal range (hearing device provided if needed).
• Ability to lift up to 15 lbs.
• Occasional movement within the department to interact with staff and accomplish tasks.
• Minimal travel (1-2 times per year) for meetings, conferences, or training.

Licenses/Certifications

• Not required but desired: Progress towards Chartered Financial Analyst (CFA), Certified Corporate FP&A Analyst (CFP&A), Certified Treasury Professional (CTP), Chartered Alternative Investment Analyst (CAIA).

Organizational Contacts

• Internal: All levels of staff and management.
• External: Vendors, external auditors, financial institutions, and other business sources.

Additional Information

This job description provides an overview of the general scope and level of work expected but is not exhaustive. Duties may be modified, added, or removed as needed. Employees may be required to perform additional tasks within their knowledge, skills, and abilities or with reasonable training. Employment is at-will, and duties may be reassigned at any time.

Rev. 6/24/2026