Treasury & Financial Markets Analyst

Key Responsibilities

• Committee Reporting: Gather financial information and performance indicators from relevant business areas, interpret emerging patterns and help prepare the monthly materials and recommendations presented to the Asset and Liability Committee.
• Investment Appraisal: Evaluate the creditworthiness of prospective investments before their inclusion within the institution’s own investment holdings.
• Portfolio Credit Reviews: Reassess existing financial-sector and corporate exposures at scheduled intervals, producing internal credit ratings to support solvency requirements and the allocation of capital.
• Treasury Governance: Contribute analytical input to the review of treasury-related frameworks covering areas such as collateral, liquidity, funding, interest rate exposure, contingency arrangements and recovery planning.
• Balance Sheet Risk Analysis: Monitor and assess developments affecting credit exposure, cash availability, foreign currency positions and sensitivity to movements in interest rates.
• Interest Rate Risk Modelling: Assist with improving, administering and maintaining the data, systems and models used to measure interest rate risk.
• Treasury Performance: Analyse the results generated by treasury-managed assets and translate findings into useful observations for senior decision-makers.
• Deposit Analysis: Examine customer deposit behaviour, including changes in market position, funding costs and maturity patterns.
• Liquidity and Securities: Assess the composition and quality of liquid assets, the suitability of securities for repurchase arrangements, including central bank operations, and broader balance sheet movements.
• Capital Planning: Review changes in the risk weighting of managed assets and prepare forward-looking estimates of capital requirements.
• Market and Regulatory Monitoring: Track economic, investment and regulatory developments, evaluate their potential effect on funding and investment decisions, and communicate significant developments to senior management.
• Project Support: Participate in treasury and balance sheet initiatives, including projects introduced in response to evolving supervisory obligations.
• Invoice Administration: Support the processing of third-party departmental invoices and maintain orderly records of supplier agreements and related payments.
• Additional Duties: Undertake other responsibilities reasonably associated with the position as business requirements evolve.

Qualifications, Skills and Attributes

• Education and Experience: Candidates should meet one of the following profiles: an MQF Level 6 Bachelor’s degree in Mathematics, Finance, Data Science or a comparable discipline, together with at least one year of relevant experience; OR an MQF Level 5 qualification in one of these areas, supported by at least three years of applicable experience; OR at least four years of experience in finance, investments or a closely connected field.
• Minimum Academic Eligibility: Unless already holding a qualification at MQF Level 6 or above, applicants must possess at least four O-Level passes at Grade 5/C or better, one of which must be English Language.
• Language Skills: Excellent command of English is required to succeed in this role. The ability to communicate in Maltese would be an asset.
• Communication Skills: Able to convert detailed financial findings into concise reports, practical recommendations and clear updates for colleagues and senior stakeholders.
• Interpersonal Skills: Comfortable collaborating with multiple departments, contributing constructively within a specialist team and building effective internal working relationships.
• Technical Skills: Strong understanding of financial analysis, treasury activities, credit evaluation and balance sheet risk. Previous involvement in programming or the use of Power BI would be advantageous.
• Analytical Ability: Capable of interpreting financial statements, identifying meaningful trends and applying sound judgement to investment, liquidity and capital-related matters.
• Organisation: Able to manage several assignments simultaneously, meet recurring reporting deadlines and maintain accurate supporting documentation.
• Self-Motivated: Demonstrates accountability, care and genuine interest in producing high-quality work while continually expanding knowledge of investment markets and regulatory expectations.
• Problem-Solving: Able to investigate complex financial information, recognise potential risks and develop well-reasoned conclusions that support informed business decisions.

What’s on Offer

• Employment: A full-time opportunity within an established organisation operating in the financial services industry.
• Health Insurance: Complimentary medical insurance coverage.
• Professional Training: Access to accredited learning programmes delivered through the organisation’s dedicated training academy.
• Further Studies: Study leave is available to employees undertaking additional qualifications on a part-time basis.
• Preferential Banking Facilities: Reduced rates on staff home loans and other eligible credit products.
• Inclusive Workplace: Join an employer formally recognised for its commitment to equal opportunities.
• Career Development: Opportunities to deepen treasury, investment and risk expertise while contributing to strategically important financial decisions.