Treasury Analyst

ABOUT US

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation.

At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you.

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OVERVIEW

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.

RESPONSIBILITIES TO INCLUDE

Daily Cash & Funding Operations

• 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.

Liquidity Management & Monitoring Support

• 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.

Asset Liability Management (ALM) & Interest Rate Risk (IRR) Support

• 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.

Capital Planning & Stress Testing Support

• 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.

Treasury Technology & Automation

• Enhance data pipelines, controls, and automated dashboards for liquidity, funding, IRR, and profitability metrics; improve close/forecast cycles and reduce manual work.

Governance, Policy, and Controls

• 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.

Cross‑Functional Partnerships

• 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.

   

QUALIFICATIONS

• 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.

EDUCATION/EXPERIENCE

• 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.

HOW YOU’LL THRIVE AT COASTAL

• Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.

• Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.

• Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.

• Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.

• Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.

• Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back.Practice self-awareness and build your emotional intelligence.

BEING YOU AT COASTAL

Coastal is an equal opportunity employer. We are committed to providing a workplace free from discrimination and harassment. All employment decisions are based on merit, qualifications, and business needs. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status under applicable laws.

BENEFITS WE OFFER

We’re proud to offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Our offerings include:

• 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.

Check out our benefits on our careers site!!

PHYSICAL DEMANDS

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee must be able to:

• Sit for extended periods of time.

• Stand for extended periods of time.

• Perform repetitive finger, hand, and arm movement.

• Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.

• View and read computer screens for extended periods.

• Occasionally stoop, kneel, crouch, or crawl.

• Occasionally lift or move up to 10 pounds.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.