Treasury Markets Analyst

WORKERS FEDERAL CREDIT UNION•Littleton, MA

4d•Hybrid

About The Position

This individual plays a key role in supporting the Credit Union’s Finance and Secondary Markets functions through rate lock execution, pricing and pipeline controls, cash and investment support, liquidity monitoring, and financial modeling. The role is responsible for day‑to‑day lock desk operations, daily liquidity oversight, investment reporting support, and operational execution tied to balance sheet strategy. This position contributes to strategic balance sheet initiatives including interest rate risk analysis, capital and liquidity stress testing, and pricing analytics. The role supports policy adherence, assists with internal and regulatory reporting, and collaborates across Finance, Accounting, and Retail teams to maintain an efficient, controlled, and resilient financial position.

Requirements

Bachelor’s degree in finance, accounting, or equivalent experience
Strong analytical and quantitative skills.
High attention to detail and accuracy when working with financial data.
Proficiency in Excel (pivot tables, lookups, basic modeling).
Clear communicator with the ability to collaborate across teams.
Interest in mortgage finance, capital markets, or financial operations.
Highly organized with the ability to manage multiple priorities.
Strong problem-solving mindset with curiosity to understand how systems and processes work.
Collaborative and comfortable working with diverse teams.
Clear written and verbal communication skills.
Commitment to confidentiality, accuracy, and regulatory compliance.

Responsibilities

Support daily liquidity monitoring and short‑term cash flow forecasting to assist funding and balance sheet management decisions.
Assist with collateral management and reporting for FHLB, FRB, and other secured funding arrangements, ensuring accurate pledge and utilization tracking.
Maintain liquidity dashboards and supporting analytics used for internal monitoring, ALCO reporting, and regulatory compliance.
Gather, validate, and transform data for use in asset/liability modeling, interest rate risk analysis, and capital and liquidity stress testing using ALM First and supporting systems.
Prepare ALCO, Pricing Committee, and Board reporting materials, including analytical exhibits, variance explanations, and supporting schedules; record ALCO meeting minutes and action items.
Build, enhance, and maintain Excel‑based tools for scenario analysis, pricing evaluation, and ad hoc financial modeling to support balance sheet strategy and management decision‑making.
Execute daily rate lock, relock, extension, and modification activity in accordance with pricing parameters, investor guidelines, and internal policy.
Review and validate pricing requests, reconcile daily lock activity, and resolve pricing discrepancies in coordination with Lending, Secondary Markets, and Accounting.
Monitor pipeline activity, lock expirations, and fallout risk; identify and escalate unusual lock or pricing activity as needed.
Support internal, audit, and regulatory reporting requests by preparing schedules, narratives, and supporting documentation related to treasury, lock desk, and balance sheet activities.
Serve as a liaison between Finance, Accounting, Lending, and Secondary Markets to ensure accurate data flow, timely reconciliations, and consistent reporting across systems.
Assist with policy adherence, model documentation, and process controls related to pricing, liquidity monitoring, and balance sheet reporting.
Adhere to all WCU policies, procedures, and guidelines.
Participates in department and/or organizational projects as directed.
Performs other tasks or functions as required, requested, necessary, or prudent from time to time.
Maintains confidentiality of all member and credit union information and data.
Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program.