Treasury Manager

Rate; United States; On-site; USD 120,000 - 130,000; Full time

Benefits offered by this job

401(k) match

Medical, dental, vision benefits

Flexible benefits program

Life insurance

Job summary

Rate, a leading national retail mortgage lender, seeks a Treasury Manager to lead cash flow forecasting, liquidity analysis, and treasury reporting. You will develop forecasting models, support strategic financial planning, and interact with executives to drive liquidity strategies.

The role emphasizes advanced Excel modeling, cross-functional collaboration, and practical treasury operations across the company’s finance functions.

Qualifications

• Strong financial modeling and analytical skills are required.
• Proficiency in Excel and ability to build complex formulas.
• Excellent written and verbal communication, and collaboration across teams.

Responsibilities

• Develop cash flow forecasts and daily/monthly liquidity reports.
• Perform scenario modeling, sensitivity analysis, and liquidity stress testing.
• Review banking structure and products to maximize ROI on cash deployment.
• Collaborate with Tech and Lending to maintain treasury databases and processes.

Skills

Analytical skills

Financial modeling

Communication skills

Education

Finance or Accounting Degree

Tools

SQL

Power BI

Power Query

Job description

Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com.

Pay Range: $120,000- $130,000 annually

We are seeking a highly analytical, detail-oriented, and technically adaptable Treasury Manager to join our innovative and passionate team. This position will focus primarily on cash flow forecasting, financial modeling, liquidity analysis, and treasury reporting, with an emphasis on developing and enhancing forecasting models that support strategic financial planning and informed business decisions.

The Treasury Manager will be responsible for analyzing cash flow trends, improving forecast accuracy, performing variance analysis, collaborating with cross-functional teams to understand key business drivers and anticipated funding requirements. The position will also support broader treasury operations, including banking relationships and solutions, investment strategies, bank account administration, and daily cash management activities.

.

Reporting directly to the VP of Treasury, this position will have regular interaction with the CFO, CAO and several departmental leaders providing actionable financial insights to support liquidity management and the Company’s overall financial objectives.

Responsibilities include:

• Strong financial modeling and analytical skills, with advanced proficiency in Excel.
• Demonstrated ability to work with large datasets across multiple sources and translate data into meaningful financial forecasts and reporting.
• Perform scenario modeling, sensitivity analysis, and liquidity stress testing to evaluate potential funding requirements and financial risks.
• Review and perform fee and interest analysis on current banking structure and account types, to maximize ROI on cash deployment.
• Perform a risk assessment and develop strategies to mitigate it.
• Develop new daily cash position reports and summary of daily activity, which includes review of trapped liquidity and available liquidity to the Companies.
• Delivery month end treasury analysis, incorporating monthly cash burn and cash flow statement and forecast to actual flux analysis.
• Coordinate with Financial Planning and Analysis (FPA) department in building out cash forecasts that incorporate major cash inflows and cash outflows and reconciliation to the Company’s forecasted P&L.
• Execute corporate treasury strategy, which includes analyzing current cash investment strategy, enhancing cash deployment strategies and updating monetary policy. Evaluate new banking relationships, products and services.
• Collaborating with other departments such as Tech and Lending, to maintain treasury database.

Qualifications:

• 5+ years in treasury/analysis role and developing relationships across the Company.
• Proficient in Excel, building models and writing complex formulas a must.
• Familiarity with SQL, Power Query, Power BI, or similar data analysis and reporting tools is preferred but not required.
• Finance or Accounting Degree mandatory.
• Mortgage company or banking experience a plus but not required.
• Ability to handle multiple tasks under tight deadlines.
• Excellent communication (written and verbal), analytical and interpersonal skills

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason, as protected by law.

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

Applications are being accepted on an ongoing basis.