Overview:
The Treasury Risk Analyst I brings data to life by supporting key treasury, pricing, and financial risk decisions across the Credit Union. This position offers hands-on involvement in mortgage pricing, hedging activities, and the execution of loan delivery commitments, while also providing valuable exposure to treasury operations and asset-liability management. Working collaboratively with internal teams and external partners, the analyst translates complex financial data into clear insights that support sound decision making and organizational objectives. For candidates who enjoy analytical problem solving, collaboration, and seeing their work influence real-world financial outcomes, this role offers meaningful growth, visibility, and impact within the Credit Union.
Responsibilities:
Mortgage Pipeline Hedging & Secondary Market Activities
- Responsible for the daily hedging of the mortgage pipeline.
- Monitor third-party hedging process and partnerships.
- Determine and publish daily mortgage rate updates.
- Maintain and update key secondary market systems.
- Maintain pricing sheets to accurately price loans for mortgage products, rates, and terms.
- Coordinate timely delivery of mortgage loans to secondary market partners through pipeline management, contract execution, and regular communication with all parties involved.
- Collaborate with Mortgage Lending, Mortgage Operations, Accounting, and vendors to ensure data integrity in the mortgage loan origination system.
- Provide timely and accurate pipeline/inventory reporting integrating third party hedging analytics.
- Support risk mitigation and provide key data for management decision-making.
- Optimize secondary market opportunities (e.g. FNMA, Freddie Mac, FHLB) including program enrollment, loan assignment, and performance reporting.
- Submit quarterly and annual reports/forms related to FNMA, Freddie Mac, and FHLB.
- Act as the relationship liaison between internal departments (e.g. Mortgage dept. & Accounting) and external parties (e.g. Optimal Blue, FNMA, Freddie Mac, FHLB).
Liquidity Framework
- Monitor and track 30-day liquidity forecast and operational cash target.
- Act as a backup for this function.
Investments
- Responsible for the trade documentation process.
- Work with brokers to ensure proper documentation and smooth delivery.
- Prepare and assemble the quarterly Investment Committee packet.
- Act as a backup for these functions.
Asset Liability Management (ALM) Function
- Support the preparation, compilation, and finalization of the ALM and Funds Management Committee (FMC) packets.
Reporting, Financial Analysis and Solution Development
- Create and distribute financial analysis reports to stakeholders on market competition, secondary market pricing, loan exceptions, and other relevant trends.
- Prepare reports comparing competitors to internal pricing to support management’s loan and deposit pricing decisions (serve as backup).
- Assist in preparing and distributing daily, monthly, quarterly, and annual reporting for Treasury/Accounting, Funds Management Committee, Investment Committee, ALCO and other third-party requests.
- Partner with internal teams and external vendors to enhance data collection processes and strengthen reporting capabilities.
- Apply advanced data-analytics tools to develop and maintain dynamic visualization. models and sophisticated reporting that surface data-driven opportunities supporting strategic planning, performance improvement, and credit union goals.
- Analyze complex data sets to identify trends and patterns and provides actionable, data driven recommendations.
- Validate all work through reasonability checks, historical comparisons, benchmarks, end user validation, and/or other established processes.
- Maintain and update existing financial reports, dashboards, and models in response to changes in strategic priorities, external environment, software, data structure, or workflows.
- Identify impactful solutions to business challenges.
Operational Excellence & Compliance
- Assist with third-party examinations, model validations, and/or third-party evaluations (i.e. deposit study).
- Engage in self-development, continuing education, webinars, etc.
- Produce and maintain procedure manuals for essential functions both written and video.
- Serve as policy owner for policies related to job function responsibility, including ongoing review and familiarity with policy content, coordination of stakeholder discussions to identify required or recommended enhancements, and drafting revisions for leadership, Funds Management Committee, and Board review in accordance with governance timelines.
- Participate in ongoing department cross-training.
- Serve as a backup for fellow teammates.
- Support and embrace organizational core values.
- Apply industry best practices in technology utilization and operational processes.
- Assure compliance with federal and state regulations in all areas of responsibility.
Qualifications:
Education & Experience
- Bachelor’s degree in Accounting, Economics, or Finance is required.
- 2 – 3 years of experience in financial analysis, treasury, accounting, or a related area is required.
Skills
- Comprehensive understanding of the rate lock to loan closing process.
- Foundational proficiency in quantitative analysis and data interpretation.
- Comfortable working with large data sets for data calibration.
- Proficient communication and presentation skills to convey complex financial information to stakeholders.
- Comprehensive understanding of the various mortgage products and pricing mechanisms.
- Proficient ability in interpreting business needs and translating into actionable analytic deliverables.
- Proven capability to resolve issues both independently and in partnership with others.
- Ability to positively interface with management, coworkers, and outside partners.
- Proficient analytical, critical thinking, and problem-solving skills.
- Ability to work with moderate independence.
- Demonstrated accurate and timely completion of work duties.
- Proficiency with relevant systems:
- Microsoft products
- Data visualization tools
- Secondary mortgage pipeline hedging system
- Mortgage lending platform
- General ledger system
- Banking core system
Working at UW Credit Union:
Join one of Wisconsin’s premier financial institutions, a National Top Workplace and multi-year recipient of Madison Magazine’s Best Places to Work, Wisconsin State Journal’s Top Workplaces, and Milwaukee Journal Sentinel’s Top Workplaces to receive:
- 21.5 days of annual time off (accrued per pay period)
- 2 weeks paid caregiver leave
- 2.5 weeks paid new child parental leave
- 2 days paid volunteer time
- 10 paid holidays (including your birthday!)
- 401k company match of up to 5%, plus approximately 4% discretionary match
- Variable bonus reward
- Competitive Medical, Dental, and Vision plans, including domestic partner eligibility
- Employee Assistance Program
- And more!
All employees must possess valid work authorization to work for UWCU on the date of hire. UWCU does not provide immigration sponsorship or support for employment authorization to include, but not limited to, sponsorship or support for H-1B, F-1 OPT, TN, or other visa category.