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Senior Treasury Analyst
Banc of California
Santa Ana, CA, United States
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Description
Since 1941, Banc of California (NYSE:BANC) has provided full-service banking and home lending to individuals and their businesses, families and employees throughout California and across the West.
Today, we are large enough to meet our clients’ banking needs, yet small enough to care and serve them well. Banc of California’s strong balance sheet, deep community roots and commitment to lasting and meaningful relationships are the foundation for its long record of success.
JOB SUMMARY:
Responsible for supporting various activities, including ALM, funds transfer pricing, and overall analytics. Develops and maintains deposit and loan analytics in order to understand impacts to balance sheet and income statement. Supports interest rate risk management through the use of QRM and assists with the Bank’s broader ALM strategy. The role also supports CECL implementation, assisting with the development of predictive loss analytics for the Bank’s lending portfolios. Responsible for maintaining reporting related to Corporate Treasury’s fixed-income investment portfolio. Performs all duties in accordance with the company’s policies and procedures, all U.S. state and federal laws and regulations, wherein the company operates.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
1. Treasury Analytics
◦ Understands and develops predictive deposit analytics, aimed at predicting deposit beta, deposit decay, and duration on non-maturity deposit accounts
◦ Maintains monthly deposit reporting
◦ Assists with the team’s deposit modeling across products
◦ Analyzes deposit product performance relative to the bank’s peer group
◦ Assists with the development of internal prepayment models
◦ Helps with development of the Bank’s CECL forecasting process
◦ Provides econometric analysis , understanding the Bank’s key driver
2. Asset Liability Management and Forecasting
◦ Helps maintain the QRM interest rate risk management tool
◦ Key contributor in developing overall ALM strategy, and liquidity planning
◦ Responsible for the maintenance of data related to deposits, loans, and investments
◦ Assists with the overall ALCO reporting package
3. Funds Transfer Pricing
◦ Responsible for developing and maintaining the Bank’s funds transfer pricing process
◦ Assists with the implementation of FTP across the Bank’s lending and deposit units
◦ Works with the financial planning team on monthly FTP reporting
4. Treasury Operations
◦ Assists with broader Corporate Treasury operations, including funding and trade settlement
5. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
6. Follows policies and procedures; completes tasks correctly and on time; supports the company’s goals and values.
7. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
8. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.
9. Performs other duties and projects as assigned.
Banc of California is an equal opportunity employer committed to creating a diverse workforce. All qualified applicants will receive consideration for employment without regard to age (40 and over), ancestry, color, religious creed (including religious dress and grooming practices), denial of Family and Medical Care Leave, disability (mental and physical) including HIV and AIDS, marital status, medical condition (cancer and genetic characteristics), genetic information, military and veteran status, national origin (including language use restrictions), race, sex (which includes pregnancy, childbirth, breastfeeding and medical conditions related to pregnancy, childbirth or breastfeeding), gender, gender identity, gender expression, and sexual orientation.
Qualifications
ESSENTIAL KNOWLEDGE, SKILLS, AND ABILITIES:
• Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: Regulation Z (Truth in Lending Act), Regulation B (Equal Credit Opportunity Act), Fair Housing Act (FHA), Home Mortgage Disclosure Act (HMDA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), Bank Secrecy Act (BSA) in conjunction with the USA PATRIOT Act, Anti-Money Laundering (AML) and Customer Information Program (CIP), Right to Financial Privacy Act (RFPA, state and federal) and Community Reinvestment Act (CRA).
• Superior knowledge of Excel
• Superior writing ability
• Superior mathematical ability
• Thorough understanding of macroeconomic theory
• Strong data analysis skills and high attention to detail
• Strong fixed income knowledge
• Demonstrated ability solving complex problems involving multiple facets and variables in non-standardized situations
• Superior understanding of issues dealing with and analyzing large data sets
• Thorough understanding of bank financial statements
• High degree of intellectual curiosity
• Thorough understanding of asset / liability management tools and techniques
• Effective organizational and time management skills
• Exceptional oral, written and interpersonal communication skills
• Ability to organize and prioritize work schedules on a short-term and long-term basis.
• Ability to work with little to no supervision while performing duties
EDUCATION, EXPERIENCE AND/OR LICENSES:
• Bachelor’s degree in Math, Finance, Engineering, or other quantitative fields; Treasury and/or investment analysis background with fixed-income knowledge preferred
• 10+ years’ relevant industry work experience. Prior banking and/or financial services background a plus. Working experience with QRM a plus