Job Summary:
Manage liquidity and interest rate elements to optimize net yield by forecasting and structuring liabilities (sources of funds) and assets (utilization of funds).
Job Responsibilities:
Pricing asset and liability products to achieve target net yields in alignment with the budget and strategic plan. This includes evaluating key pricing drivers such as market trends, bank budget constraints, projected utilizations, asset maturities, and short- to medium-term Asset-Liability Management (ALM) forecasts Preparing essential reports in compliance with ALCO (Asset and Liability Committee) requirements, including:Net Interest Margin (NIM) / Yield Margin. Deposit balance trends across all savings and investment vehicles. Competitor pricing analysis (comparing bank rates against peer banks). Liquidity positioning for both local and foreign currencies. Monthly Cost of Funds (COF). Concentration and exposure analysis of the top 25 depositors. Ad-hoc reports and emerging tasks as required. Overseeing the preparation of monthly analytical reports on interest rates across various deposit types and maturities. Overseeing revenue analysis for assets (Treasury and Corporate/Retail Credit) to evaluate the alignment of interest paid versus interest received, ensuring the achievement of target Net Interest Income (NII) budgeted plans. Overseeing monthly reports to monitor funding source concentrations, stability, and retention rates. Analyzing the current Cost of Funds (COF) and benchmarking it against the projected costs outlined in the annual budget. Following up on the implementation of all ALCO recommendations and decisions.
Job Qualifications:Bachelor’s degree in Business Administration, Accounting, Economics. Completion of training course in Funds Transfer Pricing (FTP). Documented training courses/certifications in Asset-Liability Management (ALM). Minimum 10 years of experience in the banking sector.