The Credit Officer partner’s with all clients to achieve their strategic business objectives while at the same time adhering to the Bank’s risk appetite and policies approved by the Board of Directors.
Job Purpose & Summary:
The Credit Officer partner’s with all clients to achieve their strategic business objectives while at the same time adhering to the Bank’s risk appetite and policies approved by the BOD. This involves documenting comprehensive credit proposals that reflect the Client’s Financial and Business needs, which would facilitate growth. In addition, he/she ensures that all clients’ requests are completed in a comprehensive, accurate, professional and timely manner.
Duties and Responsibilities:
Prepares comprehensive credit proposals ensuring that all risks are identified, analysed and with mitigants, if applicable, in order that informed recommendations for approvals are made. Works closely with the Portfolio Management Unit with respect to booking of approved facilities.
Maintains close client contact to take advantage of upsell opportunities, ensuring that assigned targets are achieved.
Ensures that all client queries and requests are completed in a comprehensive, accurate, professional and timely manner.
Ensures that close client contact is made to identify problems which would result in timely watch listing and early corrective action.
Keep abreast of current economic, industry and other environmental developments that may impact clients, which will facilitate meaningful conversations to inform decisions both by the client and the Bank.
Performs other related duties as assigned.
Required Qualifications/Experience:
Bachelor’s degree in Business Management/Economics/Finance or related field from an accredited University
Institute of Banking and Finance of Trinidad and Tobago (IBAF) qualifications would be a benefit
A minimum of three (3) years banking experience in Credit Risk
Experience in a similar position would be an asset.
Skills:
Critical thinking skills
Excellent financial and analytical skills
Excellent interpersonal and communication skills
Proficient in Microsoft Suite of products
Time Management and organizations skills
Sound knowledge of Central Bank Policies and Guidelines
Behavioural Competencies:
Solution oriented expert
Actively live our core values as enshrined in the Vision of Love
Extraordinary leader working in the best interest of all
As part of the Group Change support service, provide technical business analysis services that will enable change in the enterprise by defining needs and recommending solutions that deliver value to stakeholders.
Job Purpose & Summary:
As part of the Group Change support service, provide technical business analysis services that will enable change in the enterprise by defining needs and recommending solutions that deliver value to stakeholders. Business analysis enables the enterprise to articulate needs and the rationale for change, and to design and describe solutions that can deliver value. Business analysis may be performed within the boundaries of a project or throughout enterprise evolution and continuous improvement. It can be used to understand the current state, to define the future state, and to determine the activities required to move from the current to the future state. The Business Analyst works with the project manager and the business subject-matter experts to define the desired “end in mind”, design the change process to achieve it and document all elements of the business model that will be changed as part of the change process. The Business Analyst is assigned to projects of medium complexity with well-defined or easily definable scope, where the techniques required for change are known in the team or accessible.
Duties and Responsibilities:
Prepare evaluation of the benefits, return on investment, costs, risks of alternative options, as well the rationale for the preferred solution to obtain stakeholder approval to proceed
Prepare Impact and Risk Assessment on various aspects of the business including: Process, Technology, Infrastructure, People, Delivery channels and Brand/Product/Service
Execute the Requirements Management Lifecycle to define stakeholder requirements and recommend solutions that deliver value to stakeholders.
Prepare Quality Assurance (QA) plan
Develop and maintain User Acceptance Test (UAT) plans and test cases mapped to requirements
Coordinate UAT, communicates p-logs to Systems
Lead on the development and execution of training
Determine and document benefits realized from solution implementation
Promote a Change Management culture
Required Qualifications/Experience:
Master’s Degree in Business Administration, Finance, Management Studies or Engineering
Trained in Business Analysis and Business Process Improvement principles and techniques
Formal training in Project Management techniques and principles.
Candidate for level 3 or 4 of the Certified Business Analysis Professional (CBAP) designation
Exposure or training in Change Management principles and techniques.
Minimum five (5) years’ work experience in the area of Business/Management Analysis, and Business Process Improvement/Management.
Skilled in requirements elicitation, analysis, specification, validation, and management practices.
Application of existing tools and techniques for requirements development.
Skills:
Well-developed interviewing and facilitation skills; Empathic and active listener
Strong systems thinking, analytical, decision making, problem solving and opportunity identification skills
High propensity for accuracy
Excellent interpersonal, verbal, non-verbal and written communication skills
Excellent leadership and team building skills; organizational and time management skills
The Business Banking Manager is responsible for generating new business by providing appropriate financial solutions to their clients meeting their respective life goals, through an understanding of the client’s business.
Job Purpose & Summary:
The Business Banking Manager is responsible for generating new business by providing appropriate financial solutions to their clients meeting their respective life goals, through an understanding of the client’s business and by keeping abreast of changes in the economic and business environment locally and internationally.
Duties and Responsibilities:
Manages the sales process through a results driven approach. This includes sourcing, initiating, building and establishing relationships with potential clients in an effort to obtain quality, profitable business to grow the Bank’s portfolio and core revenues in line with assigned deposit and loan targets.
Manages the customer relationship in line with the One Group, One Client, One experience. This includes recommending appropriate financial solutions based on clients’ needs/life goals, in accordance with cross selling targets.
Provides an amazing client experience that is consistent with the bank’s Client Partnership Standards.
Performs other related duties as assigned.
Required Qualifications/Experience
Bachelor’s degree in Business Management/Economics/Finance or related field from an accredited University
OR
Institute of Banking and Finance of Trinidad and Tobago (IBAF) qualifications with (5) years work experience at a Commercial/Corporate sales position
A Post graduate level or Master’s degree in a similar field will be an asset
Minimum Five (5) years working experience in Commercial/Corporate Sales
Proven track record of five (5) years sales origination experience
Working understanding of the financial sector/environment will be an asset
Knowledge and basic understanding of IMF Reports
Ability to Analyze publications on local and international platforms to monitor and identify business opportunity
Skills
Advanced level of Self-Motivation and Results Oriented:
Focused on improving performance, meeting goals and producing results
Advanced level of Customer Service
Provides excellent, prompt and appropriate service to clients
High level of Negotiation and Persuasion
High level of Networking Skills, the ability to build rapport
High level of Business Acumen
Enthusiasm and speed in understanding and deciding on a business situation
High levels of Initiative and Analytical Skills
Passion for Sales, driven to quickly assess and act on sale opportunities
Excellent Communication skills and the ability to engage clients in both a formal and informal setting
Excellent Time Management and organizations skills
Proficient in Microsoft Suite of products
Relationships
All JMMB Team Members
Key Personnel in Business, Attorneys/Valuators/Insurance Companies, Banks/Credit Unions/Other Financial Institutions
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