Treasury Analyst

Position Title:             Treasury Analyst
Department:               Commercial and Treasury Services
Reports To:                 Relationship Support Manager - Paducah


General Summary/Purpose
The Treasury Analyst (TA) is responsible for supporting the commercial banking team in delivering tailored treasury solutions to clients. This role involves analyzing clients' financial statements and cash flow activities, identifying opportunities for treasury services, and assisting with the drafting and implementation of treasury management agreements. The ideal candidate will have strong analytical skills, excellent customer service abilities, and a comprehensive understanding of banking products and services.

The TA will assist with the opening of depository accounts and onboarding treasury products ensuring that all documentation for depository accounts and treasury products is completed correctly and timely to ensure satisfactory audits. The TA will assist in monitoring risk associated with treasury products and perform tasks associated with annual risk reviews. 

Because treasury products are technology-centric, it is important for the TMA to obtain ongoing education. 
The TA is encouraged to pursue advanced certifications in Treasury Management. 


Key Duties and Responsibilities

#1 Retain & Expand Current Customers                                                Percentage of time:  50%
Client Financial Analysis
Analyze commercial banking clients’ financial statements and cash flow activities to identify needs and opportunities for treasury management services.
Provide insights and recommendations to clients on optimizing their cash management and liquidity positions.
Conduct financial risk assessments to propose appropriate treasury solutions that align with clients' business strategies
      Treasury Services Development
Collaborate with relationship managers to understand clients' business operations and develop customized treasury solutions. 
Assist Treasury Management and Payments Consultant (TMPC) in preparation of proposals for treasury products and services, such as cash management, payment processing, fraud prevention, and liquidity management.
Assist TMPC in client education, supporting understanding the benefits of various treasury services and how they can enhance their financial operations.
Draft and review treasury management agreements and contracts and provide support to TM team when processing documents sent/received through e-signature system.

#2 Client Relation Support                                                                     Percentage of time:  40%
Coordinate with TM team to ensure the smooth implementation and onboarding of treasury services for new and existing clients – managing account and service checkbacks with Treasury Management Support Specialist.
Monitor the progress of service implementations and resolve any issues that may arise during the onboarding process.
Maintain strong relationships with commercial banking clients by providing ongoing support and addressing any questions or concerns related to treasury services.
Regularly review clients' use of treasury services to ensure they are meeting their needs and identify opportunities for additional services.
Act as a liaison between clients and the bank’s treasury management team to facilitate communication and service delivery.


#3 Internal Collaboration and Support                                                 Percentage of time:  10%
Serve as TM Sales liaison for Retail teammates. Assist in conversations and sales of specific Treasury Services needs for branch business customers: ie. Positive Pay, ACH Origination/Protection. (This does not include branch account opening.)
Work closely with relationship managers, vendors, and other internal teams to develop comprehensive solutions that meet client needs.
Stay current with industry trends, competitive products, and regulatory changes impacting treasury management services.
Participate in training and professional development opportunities to enhance knowledge of banking products and services.