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// ← EVERY SEATTHE FUNCTIONS

Treasury Analyst

Funds the bank and manages the interest rate and liquidity risk created by its own balance sheet.

// 01 — THE WORK

Deposits, wholesale funding, the maturity profile and the internal price the businesses pay for money all sit here. It is the seat that decides what a loan actually costs the bank to make, which makes it quietly influential over what the front line can price.

// 02 — WHO ARRIVES HERE

From markets, finance or risk, and through graduate streams; quantitative comfort is expected.

// 03 — WHAT THE INTERVIEW ASKS

These are the shapes the round takes, not a question bank — banks phrase them differently and the wording is never the point.

  1. 01Why does a bank need funding when it takes deposits?
  2. 02What is transfer pricing for, and who complains about it?
  3. 03Rates move 100 basis points. What happens to this balance sheet?
  4. 04How do you think about the maturity profile of our funding?
  5. 05What would you watch in a stress?
  6. 06Where does the bank's margin actually come from?

What the panel is listening for. Whether you can hold the whole balance sheet in view and connect a funding decision to something a customer will notice.

// 04 — WHY CREDIT PAYS IN THIS SEAT

Treasury sets what a facility costs before any margin is negotiated; understanding both ends is how bankers stop arguing about price and start arguing about risk.

That is the general case as well as this one. A bank's technology is not ordinary technology and its finance is not ordinary finance, and the second and third lines of defence — risk, compliance, financial crime, model validation and internal audit — recruit heavily out of the functions, taking the people who can already read a business. The case drills are free and are the cheapest way to build that, whichever column you sit in.

// ALSO IN THE FUNCTIONS

The whole board, and how the four blocks fit together, is on what jobs banks hire for.