Ready to Take Your Career to the Next Level? Join Heritage Bank NA! We hire from MN, SD, IA, WI, FL, MO and AR. 

Position Summary:

Leads the bank's liquidity management and funding operations, serving as the primary owner of liquidity strategy, funding execution, and asset-liability management (ALM) activities. Oversees daily liquidity positioning, develops and maintains funding strategies, and ensures compliance with internal policy limits and regulatory expectations. Partners closely with finance leadership and the ALCO to align treasury activities with the bank's financial performance and strategic objectives. Provides expert analysis, reporting, and recommendations to support executive decision-making related to liquidity, margin, capital, and interest rate.

In addition, supports and works closely with capital markets activities including loan pricing, secondary market execution, and pipeline management.

Treasury & Liquidity Management

• Monitor daily liquidity position and ensure compliance with internal policy limits
• Manage funding sources, including core deposits, brokered deposits, FHLB advances, and fed funds lines
• Prepare liquidity forecasts and perform stress testing to support planning and regulatory expectations
• Maintain and periodically test the Contingency Funding Plan (CFP)

Asset-Liability Management (ALM)

• Support ALCO process, including preparation of reporting and analysis
• Assist with interest rate risk modeling (NII and EVE simulations)
• Analyze deposit trends, loan growth, and cost of funds
• Provide insights to support balance sheet strategy and margin optimization

Finance & Reporting Support

• Support month-end and quarter-end processes through balance sheet and funding-related analysis
• Assist in financial reporting by providing insight into liquidity, funding costs, and interest income/expense drivers
• Perform variance analysis and support internal management reporting
• Assist with audit requests and regulatory examinations related to treasury and balance sheet

Investment Portfolio and Capital Markets Support

• Assist in monitoring the securities portfolio, including cash flows, duration, and performance
• Support investment activity tracking and alignment with accounting records
• Ensure compliance with investment policy guidelines
• Coordinates with capital markets on hedging strategies and best execution analysis for loan sales. 
• Provides analytical support for gain-on-sale margin tracking and investor reporting.

Capital & Strategic Support

• Support capital planning and forecasting activities
• Evaluate funding strategies in relation to loan growth and new initiatives
• Assist with stress testing tied to capital and liquidity

Process Improvement & Controls

• Identifies opportunities to improve efficiencies and optimize processes across finance and accounting.
• Maintain strong internal controls and documentation
• Support automation and reporting enhancements in partnership with IT/data teams

Bank Standards:

• Mission – Helping People Succeed Financially 
• Ethics – We always do the right thing at work and in our personal lives. 
• Solution – We bring solutions to challenges and are always looking for ways to be better. 
• Ownership – We are accountable in our roles and accept responsibility for our mistakes. 
• Positivity – We bring positive energy and enthusiasm to everything we do.

Compensation & Benefits:

Get ready to be rewarded! This position provides an annual salary range of $105,000 - $125,000. Full-time team members enjoy a comprehensive benefits package including paid time off, paid holidays, and even paid volunteer days. Your health is covered with medical, dental, and vision insurance, plus plan for your future with our 401(k) and ESOP retirement plans. Enjoy additional benefits and incentives consistent with our company policy. Join us and discover how rewarding your career can be!

Disclaimer:

The statements contained in this job description describe the general nature and level of work being performed by the person accepting this role. “Secondary Duties and Responsibilities” are considered incidental or secondary to the overall purpose of the job. This job description does not state or imply the only duties and responsibilities assigned to this job. Employees holding this job will be required to perform any other job-related duties requested by management. All job requirements are subject to possible modification to reasonably accommodate individuals with a disability.

We are an Equal Opportunity Employer and value diversity at all levels of the organization.

Education:

• Bachelor’s degree in Accounting, Finance, Business, or equivalent experience. 
• MBA is a plus

Experience:

• 5 –7 years of experience in treasury, finance, or banking analytics
• Community or regional banking experience preferred 
• Demonstrated understanding of liquidity management, funding strategies, and balance sheet dynamics

Other Skills / Characteristics:

• Strong understanding of bank financial statements and net interest income drivers
• Strong analytical and problem-solving skills with attention to detail
• Experience with CSI, Plansmith, and other financial platforms
• Strong knowledge of Microsoft Excel and financial modeling
• Ability to communicate effectively, both written and verbal
• Strong time management and organizational skills; ability to manage multiple priorities
• Working knowledge of regulatory expectations related to liquidity and interest rate risk
• Collaborative mindset with ability to operate effectively in a lean environment