Treasury Risk Analyst: Career and Salary Facts

Explore the career requirements for treasury risk analysts. Get the facts about job duties, education requirements, salary and job outlook to determine if this is the right career for you. Schools offering Accounting degrees can also be found in these popular choices.

What Is a Treasury Risk Analyst?

A treasury risk analyst is a financial analyst who specializes in reducing risk. They analyze investment possibilities for businesses, nonprofit and government organizations, with an eye toward finding ways to deal with unpredictability and reduce the chance for financial losses. Often, this involves devising an investment portfolio consisting of a variety of stocks, bonds and mutual funds that are bought, sold, or held based on the analyst's report of economic and business trends.

The table below outlines the general requirements for a career as a treasury risk analyst.

Degree Required Bachelor's degree
Education Field of Study Finance, accounting
Key Responsibilities Research investment opportunities, assess the income potential of investments, develop strategies for minimizing risk, forecast investment returns
Certification Certification recommended to improve job prospects
Job Growth (2014-2024) 12% (for all financial analysts)*
Median Salary (2017) $54,070 (entry-level treasury analyst)**,
$94,910 (treasury analyst, 8 years of experience or more)**

Source: *U.S. Bureau of Labor Statistics, **Salary.com

What Would Be My Primary Responsibilities as a Treasury Risk Analyst?

As a treasury risk analyst, your job would be to research investment opportunities in the context of market and economic trends then assess the income potential of short-term and long-term investments. You would develop strategies for minimizing risk while maximizing the value of the chosen investments. Forecasts of investment returns, along with cash and debt management, are intended to ensure adequate liquidity so that immediate and future budgetary needs can be met. You may be responsible for handling financial transfers, including international exchanges and those that involve Internet technologies.

After you have had some experience, you may be asked to supervise other financial analysts. New responsibilities could include making the decisions about which of the recommended commodities, bonds, securities, funds or other financial instruments the company will utilize. This kind of portfolio management may involve investment decisions about specific industries, localities or global opportunities.

What Skills Are Helpful in This Career?

Communication skills are essential as your ability to clearly convey investment strategies contributes to the executive decision-making process. Analytical and creative problem-solving skills are useful in determining how to use financial planning to meet organizational goals. An aptitude for mathematics and for grasping details would allow you to identify opportunities, surmise potential outcomes and make quick decisions about whether to buy, sell or hold onto an investment.

What Education Do I Need?

To enter the competitive field of financial analysis, you will need to earn a bachelor's degree. According to job postings on CareerBuilder.com in November 2011, employers generally expect candidates for a treasury analyst position to hold a bachelor's degree in finance or accounting. Business administration or economics may be acceptable majors for some companies. To attain an advanced position, you may need a master's degree.

Are Certifications Available?

Professional certification can be a helpful credential, showing prospective employers that you have reached a certain level of accomplishment. Earning the Certified Treasury Professional designation, offered by the Association for Financial Professionals (www.afponline.org), requires taking an exam; passing the exam shows that you have the ability to perform a wide range of necessary tasks in the field. The Chartered Financial Analyst is awarded by the CFA Institute (www.cfainstitute.org) and requires the passage of an extensive exam that covers areas such as ethical standards, economics, financial analysis and equity investments.

What Salary Could I Expect to Earn?

According to Salary.com in 2017, the median salary for an entry-level treasury analyst position was $54,070. Salary.com also reported that a higher-level treasury analyst, who has a minimum of eight years of experience, earned a median salary of $94,910. As reported by the U.S. Bureau of Labor Statistics (www.bls.gov), employment of financial analysts in general was predicted to grow 12% from 2014-2024.

What Are Some Related Alternative Careers?

There are several different specialization possibilities for financial analysts. Instead of focusing your career on risk analysis, you could become a ratings analyst, where your job would be to determine credit ratings for companies or governments based on an assessment of their capacity to repair their debts, including bonds. Alternatively, you could become a cash manager, where your job would be to monitor the flow of cash in and out of an organization, predict future trends in cash flow and devise strategies for the organization to cope with imminent losses or gains. In order to get either of these jobs, you most likely need to have a bachelor's degree.

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