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A treasury analyst is an important role at any company that deals with extensive cash flow, debts, banking, and critical assets. Treasury analysts are charged with managing the funds and transactions of the business. A treasury analyst can expect to make between $45,000-90,000 per year, but that’s dependent on experience and the value of assets they manage. Today we’re sharing all the details about a career in treasury management – from salary to job responsibilities.

What is a Treasury Analyst?

The root of a treasury analyst job is monitoring the money of a company. Treasury analysts will manage detailed and up-to-date records of every transaction, asset, debt, loan, investment, and other relevant financial information for the operations of the business. The job of a treasury analyst is to ensure that a company always has the cash flow and value it needs to function at healthy levels. 

Treasury analysts are necessary at any company where transactions are made or significant cash flow is required. Most work for private or public corporations, government entities, or large organizations such as hospitals, banks, and universities, according to Top Accounting Degrees.

Treasury Analyst Job Description

The treasury analyst position varies as much as the unique treasuries of each company. Some exist with high levels of capital or venture funding, others rely on lending and investments for cash flow. Each treasury analyst job will need to apply a wide range of skills to accomplish the duties needed for their own treasury management, according to Job Hero.

What Does a Treasury Analyst Do?

  • Creates treasury reports (monthly, quarterly, yearly)
  • Manages cash flow & daily transactions
  • Selects & utilizes financial technology and documentation methods
  • Assesses risk and predicts future cash flow
  • Manages international foreign exchange transactions & assets
  • Meets & coordinates with executive team about the financial health & goals of the organization
  • Ensures compliance with all regulations & taxes
  • Recommends investments & company actions to improve financial success
  • Mentor entry level finance professionals & accountants
  • May consult on mergers & acquisitions

Treasury Analyst Skills & Qualities

A successful treasury analyst can really grease the wheels of any business operation, so it’s important to find someone with the ideal skills, traits, and qualities to fill the role. A strong financial background can prepare you for most professional finance jobs, but specialization can benefit everyone. Business Student reports the desirable skill sets for a treasury analyst:

Financial Analysis – mathematical calculations, projections

Technology & Organization – use of software and data management systems

Communication – verbal, written, presentation

Executive Skills – decision making, attention to detail

A treasury role will be more stable and less chaotic than other roles in finance, so this can be a great specialization for a finance professional looking for a lower-stakes, less demanding role than other financial leadership careers.

Treasury Analyst Salary

Treasury analysts enjoy a salary above market average, with great job security and plenty of growth within the job field. Entry level treasury analysts may begin anywhere from $45-55,000 a year, but the trajectory for experience, education, certification, and factors like size of company can find treasury analyst salaries in the six figures.

Entry Level Treasury Analyst
$45,000-55,000
Average & Median Treasury Analyst Salary
$58,000-68,000
Treasury Analyst 5-10 years experience
$62,000-75,000
Senior Treasury Analyst
$70,000-100,000+

Location can be a significant factor in treasury analyst salary. Financial sectors such as San Francisco, New York, Boston, Los Angeles, and big Texas cities will deliver higher salaries (but often a higher cost of living, too). Another factor in treasury analyst salary is the existence of bonuses or profit sharing. So as a treasury analyst if you recommend investments or methods that increase revenue or save money you might enjoy higher levels of extra compensation throughout the year. Education and certifications can also earn you more money as a treasury analyst.

TRY THIS: Use this online tool to see a targeted prediction of treasury analyst salary for the parameters you set. This can be helpful for salary negotiation, hiring, and career path decisions.

How to Become a Treasury Analyst

The route to a lucrative job as a treasury analyst is relatively straightforward and can be an easy achievement for a finance-minded professional. A business-centered degree from an accredited school is the generally accepted minimum requirement, but there are a lot of small adjustments and additions that can make a candidate much better qualified. Certification and skill development are also important steps on the ladder to becoming a senior treasury analyst.

  1. Education – any business degree, but finance, accounting, business, economics or statistics will have an advantage. 
  2. Experience – internships in banking, financial planning, risk management, supply chain, or other financial analysis roles are beneficial. One to three years of experience in finance may be required before landing a treasury analyst job, such as bookkeeping, auditing, accounting, or even sales. 
  3. Jobs – getting a job as a treasury analyst is only part of the process to becoming a successful career treasury analyst. Finding a job with sponsorship and advancement opportunities is key. 
  4. Mentorship – working closely with a senior treasury analyst, VP of Finance, or CFO is necessary for entry level treasury analysts. 
  5. Certifications – becoming a Chartered Financial Analyst is the most popular certification and requires professional experience and exams. Obtaining a Financial Industry Regulatory Authority license may also be necessary if the treasury analyst needs to sell financial products and services. Furthermore, many companies require or will sponsor a candidate earning an MBA to serve as senior treasury analyst.
  6. Advancement – treasury analysts may be well-suited to roles as VP of Finance or even CFO with the appropriate experience and certifications

Treasury Analyst Certification

As mentioned above, the most popular certification for a treasury analyst is Chartered Financial Analyst, but you may also consider becoming a Certified Treasury Professional, or receiving an MBA.

Chartered Financial Analyst – designation from CFA institute, requiring a bachelors degree, four years of work experience, and passing a series of difficult exams

Certified Treasury Professional – designation from AFP for cash management, requiring two years of treasury management and passing a single exam

Masters of Business Administration – graduate degree earned from an accredited university, may be completed in addition to full time employment

As a financial manager you may consider grooming particular individuals for financial roles such as treasury analyst by sponsoring certification or further education for promising employees. Creating an effective treasury analyst role in a business can set up future financial success that benefits everyone.

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