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 monitors market indicators and liquidity needs, supports pricing and funding workflows, and assists with both short-term instruments and long-term borrowing and Medium-Term Note (MTN) operational and settlement processes. It also analyzes liability concentration and liquidity ratios, supports funding-plan execution, and prepares compliance reports, financial models, and presentations. The role works with brokers, institutional clients, commercial areas, Head Office counterparts, auditors, and market counterparties, including coordinating onboarding documentation for institutional investors and counterparties. The role requires professional bilingual communication in English and Spanish, regular attendance during normal business hours, and flexibility when market events or desk deadlines require it. Travel may be required. The employee may assume evolving duties and provide coverage for other Treasury or branch positions as assigned. The position also requires carrying and lifting objects weighing between 10 and 25 pounds. Staff must comply with applicable state and federal legal and regulatory requirements and Bci policies, including its Personnel Manual and Code of Ethics.

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 position’s functions.
Professional bilingual communication capabilities in English and Spanish.
Ability to carry and lift boxes or other objects weighing between 10 and 25 pounds.

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 shifts in the funding landscape.
Assess the branch’s daily liquidity position and forecast cash flows to determine immediate funding requirements and meet current-day operational cash needs.
Assist with issuance and operational execution of short-term money market instruments, including Commercial Paper (CP), Yankee CDs, Time Deposits, and Repo transactions.
Gather market rate indications and help update published rate schedules and cost of funding (FTP).
Calculate cost of funds, breakage costs, and transaction adjustments for loans and deposit facilities.
Support execution of 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 (MTN) 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 regular compliance and tracking reports.
Use AI, programming, and authorized technologies to automate 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 answer pricing inquiries; develop and maintain institutional relationships.
Coordinate onboarding documentation for institutional investors and counterparties and ensure customer 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 professionally 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 critical 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 requests for information and customer complaints or concerns, and follow up to resolve issues.
Carry and lift boxes or other objects weighing between 10 and 25 pounds.
Comply with applicable state and federal regulatory and legal requirements, including the Bank Secrecy Act, the Federal Election Campaign Act of 1979, the Foreign Corrupt Practices Act, and the Bank Bribery Amendments Act, as well as Bci policies, its Personnel Manual, and Code of Ethics.