Treasury Analyst

Coastal Community Bank•Madison, MS

1d•Onsite

About The Position

The Treasury Analyst supports the Bank’s Corporate Treasury function in the management of daily cash positioning, funding activities, liquidity analysis, interest rate risk measurement, and ALM model operations. Working closely with the Assistant Treasurer, this role contributes to the production of timely and accurate reporting for the Asset and Liability Committee (ALCO) and Investment Committee (ALIC), supports the maintenance of governance documentation, and partners cross-functionally to help operationalize treasury strategy, policies, and regulatory requirements. The Treasury Analyst is a hands-on analytical contributor who helps ensure the Bank’s balance sheet is appropriately funded, risks are measured and monitored effectively, and key information is delivered reliably to leadership. Coastal Community Bank is seeking a Treasury Analyst with strong, hands-on experience in interest rate risk modeling, asset sensitivity, capital planning, and liquidity analysis. This role plays a key part in the continued build-out and enhancement of the treasury function and is suited for a professional who can quickly contribute to core analytical and operational processes. The Treasury Analyst will play a lead support role in interest rate risk and ALM analysis, partnering closely with the Treasurer and Assistant Treasurer to execute modeling, reporting, and scenario analysis. This position is expected to contribute immediately by supporting critical treasury processes and enhancing the quality, efficiency, and reliability of treasury analytics and reporting.

Requirements

Proven record operating and improving treasury processes in complex or high‑growth environments; strong change management and continuous improvement mindset.
Analytical thinker who connects model outputs to balance sheet strategy; adept at identifying issues, proposing solutions, and mitigating risk through disciplined execution.
Strong organization and project management; able to juggle multiple priorities with high accuracy and accountability.
Demonstrated experience automating financial or treasury processes, including cash reporting, reconciliations, liquidity monitoring, or management reporting.
Collaborative and influential partner who upholds Coastal’s values and promotes high standards in governance, transparency, and teamwork.
Bachelor’s degree in Finance, Accounting, Economics, or related field; CTP preferred. CFA/CPA a plus.
5+ years of progressive treasury/ALM experience in a regulated financial institution; prior exposure to liquidity risk, funding execution, and interest rate risk analyses.
Proficiency with ALM software (e.g., Jack Henry ProfitStars or similar) and advanced Excel/financial systems; strong data extraction/merging and complex analysis skills.
Working knowledge of regulatory capital, risk‑weighted assets, liquidity ratios/limits, and policy frameworks.
Exceptional communication skills with the ability to translate technical results into clear business insights for ALCO and executive stakeholders.

Nice To Haves

CTP preferred
CFA/CPA a plus

Responsibilities

Own the daily cash position, intraday liquidity monitoring, and short‑term funding execution (e.g., FHLB advances, brokered deposits, fed funds/lines) within established limits and policies.
Forecast cash position to anticipate cash shortfalls/excesses to provide management with early warning indicators and appropriately source additional funding to mitigate shortfalls and invest excesses.
Coordinate settlement activities and reconcile cash movements across Treasury, Finance, and Operations.
Support the preparation of liquidity coverage and availability analyses, including HQLA tracking, early warning indicators, and contingency funding plan documentation.
Assist in maintaining liquidity dashboards, trend analyses, and monitoring of key liquidity ratios.
Contribute to periodic liquidity stress testing, including scenario runs, assumption updates, and documentation of results.
Assist in operating ALM systems (e.g., Jack Henry ProfitStars or similar), including data validation, ETL checks, and input of key assumptions (betas, decay, prepayments).
Support the preparation of Earnings at Risk (EaR) and Economic Value of Equity (EVE) analyses and related reporting.
Help develop IRR reporting packages and scenario analyses for review by Treasury leadership and ALCO.
Support the capital planning process by compiling data inputs for capital adequacy assessments and multi-year forecasts.
Assist in preparing Risk-Weighted Assets (RWA) calculations and capital ratio projections under baseline and stressed scenarios.
Enhance data pipelines, controls, and automated dashboards for liquidity, funding, IRR, and profitability metrics; improve close/forecast cycles and reduce manual work.
Maintain Treasury, Liquidity, IRR policies, procedures, and control inventories; support audits/exams; ensure segregation of duties, reconciliations, and documentation quality.
Support regulatory exams in relation to liquidity, capital, and investments.
Collaborate with Finance, Risk, Accounting, Operations, IT, and BaaS stakeholders to align assumptions, data integrity, and execution timelines. Support strategic initiatives led by the Corporate Treasurer and CFO.

Benefits

Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.
Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.
Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.
Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.
Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.
Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.
Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.
401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.
Paid Time Off: Generous vacation and sick leave policies to support your time away from work.
Holidays: Enjoy 11 paid holidays throughout the year.