- We are looking for someone who can mobilize Deposits, understands financial markets, liquidity management, treasury products, investment opportunities and funding, and can translate market intelligence into practical solutions that support the Bank's liquidity, profitability and risk management objectives.
WHAT YOU WILL BE RESPONSIBLE FOR
Treasury, Liquidity & Asset/Liability Management
- Monitor and manage the Bank-wide flow of funds on a daily, weekly, monthly, quarterly and annual basis to ensure operational liquidity.
- Mobilize deposits
- Review the Bank's asset and deposit liability mix and identify opportunities to optimise the Bank's asset and liability portfolio.
- Ensure the Bank has adequate funds to meet its day-to-day business obligations.
- Identify and monitor the Bank's exposure to interest rate and liquidity risks.
- Provide analysis and recommendations to maintain an optimal balance between liquidity and profitability.
- Minimise risk exposure while promoting the efficient use of the Bank's financial resources.
Treasury Sales, Products & Customer Solutions
- Support the promotion of Treasury products and provide treasury advisory services to corporate customers.
- Work with business units on referrals and structure tailor-made Treasury products and solutions to meet customers' investment and hedging needs.
- Identify suitable investment vehicles and opportunities that support the Bank's asset and liability management objectives.
- Support the development and implementation of appropriate Treasury solutions for customers and internal stakeholders.
- Provide relevant market intelligence to support Treasury and business development decisions.
Financial Markets & Treasury Operations
- Conduct daily environmental scans of financial and money markets to support Treasury and dealer decision-making.
- Manage and maintain the Money Market database.
- Monitor financial market developments, interest rates and other factors that may affect the Bank's liquidity and investment decisions.
Treasury Reporting, ALCO & Business Intelligence
- Prepare rate risk analysis, money market reports, ALCO minutes and other Treasury reports for presentation to the Asset/Liability Committee (ALCO).
- Prepare relevant Treasury reports required by Management, including annual budgets covering capital and operating expenses and Treasury income reports.
- Provide timely analysis and information to support Treasury decision-making and Management reporting.
- Monitor Treasury activities against approved limits, guidelines and regulatory requirements.
WHO WE ARE WE LOOKING FOR?
- We are looking for an analytical and commercially aware Treasury professional, not simply an operations specialist.
- The ideal candidate will have:
- Strong understanding of Asset & Liability Management (ALM), liquidity management and financial markets
- Knowledge of Treasury products, money market instruments and investment management
- Ability to analyse financial markets and identify relevant opportunities and risks
- Strong understanding of cash and liquidity management
- Strong analytical, numerical and financial modelling capabilities
- Knowledge of interest rate and liquidity risk management
- Ability to conduct market and business environment analysis
- Strong deal structuring and proposal-writing capabilities
- Ability to prepare and interpret financial and Treasury reports
- Good understanding of banking and financial services operations
- Strong communication, negotiation and relationship management skills
- Strong attention to detail and ability to make timely decisions.
QUALIFICATIONS & EXPERIENCE
- Minimum of a Bachelor's Degree in Accounting, Finance, Mathematics, Engineering or another relevant quantitative discipline.
- Relevant professional qualifications such as ACCA, ACA, CFA, ACI, CTP and/or a second degree will be an advantage.
- Minimum of 5 years' experience in the Banking or Financial Services industry.
- Relevant experience in Treasury, Asset & Liability Management, Financial Markets, Liquidity Management, Investment Management or related functions will be an advantage.