Liquidity and Funding Trader

Banco de Credito e Inversiones•Miami, FL

About The Position

The Liquidity and Funding Trader supports the branch’s short- and medium-term funding operations. Under the guidance of the Treasury Manager and peers, the role assists with issuing money market instruments, monitoring cash flow activity, executing daily funding trades, and keeping daily liquidity and funding metrics within policy and regulatory limits. The position also supports funding plans, analytics, pricing workflows, operational settlements, counterparty administration, and compliance reporting. It requires bilingual English and Spanish communication, regular attendance during business hours, flexibility to accommodate market events or critical desk deadlines, and travel as required.

Requirements

Bachelor’s degree in Finance, Economics, Business Administration, or Accounting.
Minimum of 2 to 4 years of relevant financial experience in banking, treasury operations, or capital markets.
Fluency with Microsoft Office Suite, Google Suite, and other banking applications needed to perform the functions of the position.
Bilingual communication capabilities in English and Spanish.
Ability to carry and lift boxes or other objects weighing between 10 and 25 pounds.
Compliance with applicable state and federal regulatory and legal requirements and Bci policies.

Nice To Haves

A Master’s degree is highly desirable but not required.
Progress toward or interest in professional certifications such as CFA, FRM, or BTRM is an advantage.

Responsibilities

Monitor and analyze global market indicators, including interest rate trends, economic news, and geopolitical developments, to propose pricing decisions and identify strategic changes in funding markets.
Assess daily liquidity positions and projected cash flows to determine funding requirements and meet the branch’s current-day cash needs.
Assist with the issuance and operational execution of short-term money market instruments, including Commercial Paper, Yankee CDs, Time Deposits, and Repo transactions.
Gather market rate indications and help update published rate schedules and cost-of-funding (FTP) information.
Calculate cost of funds, breakage costs, and transaction adjustments for loans and deposit facilities.
Support the yearly funding plan by compiling liquidity pipeline data, tracking maturities, and preparing desk analytics.
Assist with operational and settlement workflows for long-term borrowings and Medium-Term Note issuances.
Analyze liability concentration metrics and liquidity ratios to identify structural gaps and balance-sheet optimization opportunities.
Collaborate on developing and executing pricing opportunities for new structured products to increase branch funding and profitability.
Monitor internal and regulatory liquidity metrics, including liquidity coverage and concentration limits, and prepare compliance and tracking reports.
Use AI, programming, and available authorized technologies to automate complex processes, improve operational efficiency, and develop initiatives while maintaining financial accuracy.
Interact with broker-dealers, institutional clients, and commercial areas to execute routine transactions, confirm trade details, and respond to pricing inquiries while developing and maintaining institutional relationships.
Coordinate onboarding documentation for institutional investors and counterparties, ensuring profiles and accounts are correctly set up and maintained in bank platforms.
Prepare ad hoc financial data models and presentations for management and Treasury committee reviews.
Communicate bilingually in English and Spanish with local leadership, Head Office counterparts, auditors, and market counterparties.
Maintain regular attendance during regular business hours, work flexible hours when needed for market events or desk deadlines, and travel as required.
Assume evolving duties and responsibilities and provide coverage for other Treasury or branch positions as assigned by management.
Respond promptly and appropriately to information requests, customer complaints, or concerns, and follow up to ensure resolution.
Comply with applicable state and federal regulatory and legal requirements, the Bci Personnel Manual and Code of Ethics, and other Bci policies.