Senior Financial Analyst, ALM - Canadian Tire, Oakville

About this Opportunity

Join Canadian Tire Bank in Oakville, ON, as an Asset Liability Management (ALM) Senior Financial Analyst. This pivotal finance role is responsible for supporting the organisation's balance sheet management activities. You will provide critical financial insights and strategic recommendations by analysing and monitoring funding, liquidity, capital adequacy, interest rate risk, foreign exchange risk, and investment portfolio positions. Your contributions will directly support the institution's long-term funding objectives, regulatory compliance, and overall financial stability.

As a key member of the Asset Liability Management division, reporting to the Manager, ALM, you will be accountable for delivering high-quality reporting and detailed financial analysis. This senior position requires excellent communication skills to summarise findings effectively for internal stakeholders, including senior management. The ideal candidate possesses strong technical expertise, a robust analytical skillset, and thrives in a fast-paced environment where attention to detail and managing multiple deadlines are paramount.

Key Duties

• Operate, maintain, and enhance the organisation’s funding, liquidity, and capital adequacy models to ensure accurate forecasting, risk measurement, and strategic decision-making.
• Analyse and monitor balance sheet risks, including interest rate risk, foreign exchange risk, liquidity risk, and capital management metrics, while identifying emerging trends and potential risks.
• Prepare comprehensive management reporting and detailed financial analysis.
• Develop and present short- and long-term debt funding strategies to the Manager, Asset Liability Management, supporting funding optimisation and strategic capital planning.
• Evaluate capital levels and leverage ratios to determine and recommend appropriate dividend declaration amounts.
• Support the preparation of high-quality presentations, reports, and briefing materials for the Board of Directors, Asset Liability Committee (ALCO), and senior leadership teams.
• Communicate complex ALM concepts, financial results, and risk management insights to stakeholders across the organisation, including senior management and executive leadership teams.
• Collaborate with Treasury, Finance, Risk Management, Treasury Capital Markets, and other business units to ensure alignment of balance sheet strategies and risk management objectives.
• Maintain and continuously improve ALM-related policies, procedures, methodologies, and controls to ensure compliance with evolving regulatory requirements and industry best practices.
• Ensure all operating procedures, models, assumptions, and reporting processes are thoroughly documented, reviewed, and updated on a regular basis.
• Conduct ad hoc financial analysis, forecasting, and reporting to support strategic initiatives, regulatory requests, management inquiries, and business decisions.
• Participate in projects related to treasury management, balance sheet optimisation, regulatory reporting, model enhancements, and process improvements.

What You'll Bring

• Bachelor's degree in Finance, Accounting, or a related quantitative discipline.
• 5–7 years of experience in ALM, Treasury, Capital Management, Liquidity Risk Management, Financial Risk Management, or a related finance function.
• Experience working within a financial institution (bank, credit union, trust company, insurance company, or other regulated financial services organisation) and adhering to guidelines.
• Demonstrated experience in balance sheet analysis, interest rate risk, and liquidity management.
• Experience preparing management reporting and presenting financial analysis to senior stakeholders or committees.
• Strong understanding of Asset Liability Management principles, balance sheet management, funding and liquidity risk, capital adequacy, and interest rate risk management.
• Experience with financial modelling, forecasting, stress testing, and scenario analysis.
• Knowledge of securities, derivatives, debt funding strategies, and capital markets activities.
• Strong analytical and problem-solving skills with exceptional attention to detail.
• Advanced proficiency in Excel and financial modelling tools.
• Excellent written and verbal communication skills with the ability to present complex financial concepts to senior stakeholders.
• Ability to manage multiple priorities and work effectively in a fast-paced, deadline-driven environment.
• Strong relationship-building skills with Finance, Treasury, Risk, and business-line stakeholders.

Knowledge of banking or financial services regulatory requirements related to liquidity, capital, and balance sheet risk management is preferred.

A professional designation in progress or completed (CPA, CFA, FRM, PRM, or equivalent) is considered a strong asset.

Who You'll Work With

You will be an integral member of a two-person Asset Liability Management (ALM) team within Canadian Tire Bank, reporting directly to the Manager, ALM. This collaborative environment ensures close partnership and shared responsibility in achieving financial objectives.

Your role will involve extensive collaboration with various internal departments, including Treasury, Finance, Risk Management, and Treasury Capital Markets, as well as other business units. You will regularly engage with and present to senior stakeholders, including senior management, executive leadership teams, the Board of Directors, and the Asset Liability Committee (ALCO), ensuring alignment of balance sheet strategies and risk management objectives across the organisation.