Treasury Analyst

Seacoast Bank; Jacksonville (FL); On-site; USD 70,000 - 110,000; Full time

Job summary

Seacoast Bank in Jacksonville, FL seeks a Treasury Analyst to support balance sheet optimization through quantitative analysis, forecasting, and reporting. You will partner across Treasury, Finance, Risk, Lending, and Deposits to provide insight into ALM, liquidity, investments, FTP, pricing, and capital planning.

The ideal candidate has strong analytical and technical skills, a solid understanding of fixed income and financial markets, and a passion for data-driven decision making.

Qualifications

• Bachelor’s degree in finance, economics, or accounting; MBA/CFA/CTP candidate preferred.
• Proficiency in spreadsheet and database applications.
• Demonstrates critical thinking and analytical skills.
• High level of self-motivation and self-directedness.

Responsibilities

• Support ALM and liquidity management initiatives.
• Develop and maintain financial models for forecasting NII, balance sheet growth, liquidity, capital, and profitability.
• Analyze fixed income portfolios and related metrics (yield, duration, convexity, market value).
• Assist in valuation and risk analysis of securities, loans, deposits, and derivatives.
• Support ALM and interest rate risk processes (scenario analysis, stress testing).
• Develop and maintain funds transfer pricing methodologies and profitability measurement.
• Perform loan and deposit pricing analyses to support product strategy.
• Conduct peer benchmarking, market research, and industry analysis.
• Apply quantitative techniques to evaluate customer behaviors and balance sheet assumptions.
• Prepare analyses and reporting packages for senior management and regulators.

Skills

Spreadsheet applications

Analytical skills

Self-motivation

Education

Bachelor’s Degree in Finance, Economics, or Accounting

Tools

Excel

Power BI

Power Query

SQL

Job description

JOB SUMMARY:

The Treasury Analyst supports the management and optimization of the Bank's balance sheet through quantitative analysis, financial modeling, forecasting, and reporting. This position partners across Treasury, Finance, Risk, Lending, and Deposits to provide analytical insight into asset-liability management (ALM), liquidity, investments, capital, funds transfer pricing (FTP), loan and deposit pricing, and other strategic treasury initiatives.

The ideal candidate possesses strong analytical and technical skills, an understanding of fixed income and financial markets, and a passion for leveraging data and technology to improve decision-making. This role provides broad exposure across treasury functions and offers opportunities to support key strategic initiatives affecting the Bank's profitability, risk profile, and balance sheet performance.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Support initiatives across Treasury, including asset-liability management (ALM), liquidity management, investments, funds transfer pricing (FTP), loan and deposit pricing, capital planning, and balance sheet strategy.
• Develop, maintain, and enhance financial models used for forecasting net interest income, balance sheet growth, liquidity, capital, and profitability.
• Analyze fixed income securities portfolios and related metrics including yield, duration, convexity, market value, spread analysis, and interest rate risk exposures.
• Assist in valuation and risk analysis of financial instruments, including securities, loans, deposits, and derivatives.
• Support ALM and interest rate risk processes, including scenario analysis, stress testing, and assumption development.
• Assist in the development and maintenance of funds transfer pricing methodologies and profitability measurement frameworks.
• Perform loan and deposit pricing analyses to support product strategy, profitability, and competitive positioning.
• Conduct peer benchmarking, market research, and industry analysis to identify trends and strategic opportunities.
• Utilize quantitative techniques and statistical analysis to evaluate customer behaviors, deposit attrition, loan prepayments, and other balance sheet assumptions.
• Prepare analyses, presentations, and reporting packages for senior management, ALCO, Board committees, and regulators.
• Design and automate recurring reports, dashboards, and data processes using Excel, Power BI, Power Query, SQL, and other analytical tools.
• Support implementation and maintenance of treasury, ALM, and financial reporting systems.
• Collaborate with business partners across Finance, Risk, Lending, Deposits, and Technology to support strategic projects and process improvements.
• Identify opportunities to improve data quality, reporting efficiency, and analytical capabilities through automation and business intelligence solutions.
• Participate in special projects related to balance sheet optimization, profitability enhancement, liquidity management, capital planning, merger analysis, and regulatory initiatives.

EDUCATION and/or EXPERIENCE:

• Bachelor’s Degree in Finance, Economics, or Accounting. MBA, CFA, or CTP candidate preferred.
• Proficiency in spreadsheet and database applications
• Demonstrates critical thinking and analytical skills
• High level of self-motivation and self-directedness

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.