Financial Analyst III - Treasury and Investments
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TITLE: 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 CA only
GENERAL DESCRIPTION:
As Financial Analyst III – Treasury & Investments, you will support the team in the oversight of product pricing (loans & deposits), liquidity, business & investment services, interest rate risk, investments, and capital market activities. This position performs various finance, accounting, and treasury-related functions for Golden 1 Credit Union, including but not limited to trade operations, data preparation, market research, financial reporting, financial analyses, and maintaining financial systems/models directly related to the Credit Union’s treasury & investment functions. Employees in this area are cross trained in several aspects of finance, treasury, and other relevant analytical functions and will assist the Treasury team in special projects with a focus on leveraging technical and predicative analytical tools and programs for data driven results.
TASK, DUTIES, FUNCTIONS:
Perform the following job duties and responsibilities in accordance with corporate policy and procedures, within established timeframes:
- Support product pricing (loan & deposit) reports and the construction of new dashboards for loans and deposits to support rate change proposals, including but not limited to improving existing treasury-related reports throughout the Credit Union.
- Provide analytical support to the Asset Liability Committee (ALCO) through analysis and written presentation of loan and deposit products.
- Actively supports team members in product pricing (loan & deposit) through Funds transfer pricing (FTP) analysis, liquidity analysis, Asset liability Management (ALM) analysis, yield analysis, portfolio performance, market research, competitor rate research.
- Supports team members with providing in-depth market research and risk/reward analysis on product pricing and investments.
- Supports team in investment-related reporting, capital markets activities (loan participations purchase or sales), trade operations (security transaction report packages, collateral management, rate change emails, invoices, trade blotter, closed mortgage pipeline hedged emails, settlements, wire payments, trade reconciliations, safekeeping, pledging, etc.) including any other administrative tasks relating to these functions.
- Supports team in liquidity reporting and analysis.
- Actively participates in ALM meetings and discussions. Leverages ALM for product pricing proposals and investment analysis.
- Supports team in any funding/borrowing or leverage reporting and activity.
- Assist team members in ALCO, Board, and other ad hoc management reporting, as well as internal regulatory reporting.
- Supports team in business and investment services reporting.
- Using PowerBI, SQL, R, Python, SAS, and/or Excel, aggregate multiple data sources into a single story to summarize the results of a review into actionable points for Senior Management to support business decision-making.
- Supports team members with the quarterly call reports related to investments.
- Continually seek to improve processes, reports, and tools to increase business value and improve efficiency; offers recommendations for improvement as business evolves. Participates in continuous improvement activities that may cross functions through routine collaboration with other analysts.
- Prepare data, support spreadsheets, provide analytics, and develop reports to help evaluate product pricing and investment performance. Contribute to the research and development efforts undertaken to improve the Credit Union’s oversight of secondary marketing, product pricing, hedging, liquidity, ALM, and the investment portfolio.
- Assists in developing and maintaining metrics, graphs, reports, analytical tools, and any other means to measure and monitor the Credit Union’s product pricing. Lead team members in utilizing advanced data analytics tools and techniques to build periodic trend analysis reports, and presents insights and findings that are relevant, actionable, and visually appealing to management.
- Is committed to fostering a “data-driven culture” by continually seeking to harvest data- driven insights and developing technical skills (ex. PowerBI and/or Excel (VBA), R programming, Python, SQL, etc.)
- Ensure data for all reports is accurate and reports are prepa red in a timely and thorough manner.
- Support team members in coordinating the assessment of internal and/or external industry trends, market, product, member, and channel performance to identify gaps and additional value areas to maximize financial performance and operational efficiency
- Helps team members in updating and maintaining financial models such as Net Present Value (NPV) models, FTP models, scenario and breakeven point analyses, scenario based total return models, cash flow models, cost benefit analysis models, beta analysis, share volatility analysis, liquidity analysis, etc.
- Leads team members in analysis and synthesis of financial results into meaningful recommendations to management through written reports or dashboards, with clean and concise visual charting.
- Utilize various business intelligence tools and financial information systems including but not limited to current organization-wide and/or department specific software in the preparation of analyses, evaluation, and reports.
- Develop and maintain a thorough understanding of the general ledger accounts, components of the balance sheet, income statement, key ratios, products, and other financial data, and analyzes and communicates variances in support of the financial plan that relates to product pricing, ALM, liquidity, and the investment portfolio.
- Develop and maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
- Develop and maintain financial performance-related knowledge in assigned business lines to provide deep-dive analyses into metrics, trends, and anomalies while providing insights to drive improvements and support ongoing business line initiatives and projects.
- Maintain current procedure and process manuals for position functions of recurring tasks.
- Assist in the routine preparation of financial reports for the Credit Union including, but not limited to, information for management reports analyzing financial performance by channels, markets, and peers.
- Analyze the monthly financial statements and reports and communicate variances and relevant findings in support of the financial plan.
- Learn and gain an understanding of lending/deposit rates, policies and procedures impacting responsibilities.
- Perform reviews or validations of other Financial Analyst work prior to, or in lieu of, review by Team Leadership.
- Prepare or create ad hoc financial models, analyses, spreadsheets, visualizations, and presentations that effectively present data and analytical findings for management as reference for strategic decisions, committee review, and other information requests.
- Work with Leadership and with other Financial Analysts on complex analyses, using data to add value to our business partners
Specialization in this position may include one or more of the following:
- 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 either finance, accounting, mathematics, economics, business administration, information technology or another quantitative related field. Other degree types will be considered with relevant experience combined with strong technical experience.
- EXPERIENCE: 5+ years or more of progressive finance, accounting, banking/credit union experience or 5+ years of analytical and strong technical experience is required.
- KNOWLEDGE/SKILLS:
- Power Excel user; experience building advanced dashboards with business intelligence tools; ability to use statistical programs and data wrangling tools to assemble complex datasets and perform advanced analyses; strong research, quantitative and qualitative data collection, and report building; self-starter with strong time management, organizational skills; ability to multi- task effectively; make sound decisions in the absence of detailed instructions and work on own initiative; strong independent work methods; excellent verbal and written communication skills with the ability to present complex data in a comprehensive yet succinct manner; detail oriented, critical thinking problem solver who continually seeks to learn new concepts and acquire new skills, specifically technical skills. Advanced technical skills and/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, and/or Cash & Liquidity Management. The following below further details additional knowledge and skills that are necessary to perform the position successfully.
- Expert knowledge in the following systems/applications (required): Microsoft Excel- Formulas, functions, and pivot tables, dashboard creation, Power Query, data connections, and automation with macros; Microsoft Power Point; Microsoft Word; Microsoft Outlook- Email, Calendar, Task; Microsoft Teams; PDF Creation/Editing (Nitro Pro).
- Intermediate knowledge in the following systems/applications (required): Microsoft Power BI - Building Visuals using existing Datasets, and Power BI Desktop; SAS Enterprise Guide – Data manipulation and transformation, data aggregation using the GUI tool; VBA Coding to support automation tasks; to build datasets and complex reporting through DAX Programming; SQL Programming - Select Statements, Joins, Aggregating Data, temp tables, and complex querying; R and Python Programming.
PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS:
- Effective oral and written communication skills required to prepare reports and perform other related tasks.
- Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.
- Hand-eye coordination required to read, post, and handle complex computer programs and report
ORGANIZATIONAL CONTACTS & RELATIONSHIPS:
- INTERNAL: All levels of staff and management.
- EXTERNAL: Vendors, external auditors, and other financial institutions or business sources.
PHYSICAL REQUIREMENTS:
- Prolonged sitting throughout the workday with occasional mobility required.
- Corrected vision within the normal range.
- Hearing within normal range. A device to enhance hearing will be provided if needed.
- Ability to lift 15 lbs. as may be required.
- Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
- Minimal travel to attend meetings by car and/or public conveyance for conferences or training session held at out-of-area locations or across the United States (1 – 2 times per year).
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).
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
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THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.
REV. 6/24/2026
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