JMMB Vacancies November 2021

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November 15, 2021 at 11:11 pm #990552

marciacarbajal

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JMMB Vacancies November 2021

CREDIT OFFICER

JMMB Trinidad and Tobago

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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

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JMMB Vacancies November 2021

Business Development Manager

JMMB Trinidad and Tobago

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Job Purpose & Summary:

The Business Development Manager works closely with the Branch Manager to actively manage and grow business from a portfolio of existing clients and identifying and targeting new business opportunities for growth. This role plays a contributory function in the achievement of the Branch’s financial targets, whilst ensuring overall client satisfaction. This role also ensures that the branch’s lending portfolio is of a high quality and is fully compliant at all times with internal policies and local laws, regulatory and statutory guidelines. The Business Development Manager plays a supervisory role in the Branch, offering sales routine management and leadership oversight.

Duties and Responsibilities:

Selling all the financial products and services offered by JMMB with emphasis on loans and deposits
Markets the Bank’s products and services to existing and potential clients.
Develops, recommends and/or implements strategies and programs in conjunction with the Manager to achieve revenue goals within the established parameters
Establish and develop an enviable client base through prospecting; direct sales and off-site presentations
Leads external marketing initiatives of the branch.
Develops relationships with Centres of Influence, internal and external partners and reputable organizations and NGOs to generate leads.
Ensures that all clients are solicited for referrals of new business opportunities and that there is partnering with our Commercial and Corporate Teams to capitalize on opportunities with their clientele.
Recommends new product offerings and services solutions to better satisfy customers’ needs and create a competitive advantage for the bank.
Actively manages the branch’s sales pipeline to ensure approved loan cover and ensure timeliness of credit application submission.
Conducting financial and credit analysis; preparing credit proposals to be submitted for approval and booking and disbursing loans for which the requisite approval is obtained.
Assisting in the development and implementation of strategies and procedures for the achievement of a high client retention rate built on superior service and client satisfaction
Assists the Branch Manager, in effectively managing the client experience from a lending perspective as well as collaborating with the branch management team on client care issues/initiatives the branch.
Manages client relationships in adherence to the client partnership standards to ensure optimal levels of client care.
Conducts trailer calls on a weekly basis to gauge client feedback on outbound call quality.
Establishing, servicing and constantly reviewing customers’ accounts as well as assigned credit portfolio, ensuring that the customer is kept abreast of new developments and that the credit delinquency level is kept at the minimum
Actively manage and minimize delinquent accounts in the portfolio and acts in accordance with standard delinquency management procedures.
Manages team performance by identifying personal gaps and advising to Branch Manager for gap analysis and correction;
Coaching Relationship Officers on an ongoing basis, to enhance the team’s capability, improve credit quality and reduce application roll-backs, and conducting weekly Goal Setting conversations to plan and monitor the team’s sales activities within acceptable benchmarks.
Supervises the duties of the RO’s within the unit to ensure compliance with internal policies and standards and supports credit proposals within the branch to ensure appropriateness of credit structure, adequacy of due diligence and credit quality.
Keeps abreast of changes in the economic and business environment that may have a direct impact on our clients and acts with alacrity to mitigate risks to the Bank, where they may arise.
Perform other related duties as assigned.

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Performance Criteria:

This job is satisfactorily performed when:

Branch’s objectives and targets are achieved.
There is a high level of customer satisfaction.
There is professional competence and efficiency of the TMs under direct control.
Portfolio quality meets requirements
The achievement of a personal sales plan which is linked to the overall corporate plan.

Education, Training & Work Experience Required:

B.Sc. Finance, Economics, Management or related field
Associated certifications (if any) would be an asset
Minimum five (5) years practical experience in banking environment, three (3) of which should be in Retail or Commercial Credit
Experience in Relationship Management / Business Development role within Retail or Commercial Banking would be an asset
Minimum of one (1) year Supervisory experience

Skills:

Excellent interpersonal and communication skills (oral and written)
Excellent skills in financial analysis and credit appraisal
Well-developed negotiation and selling skills.
Excellent analytical skills
Proven strong ability in relationship building and customer service
Commitment to excellent grooming and imaging
Sound judgment decision and problem-solving skills
Proficient in use of Microsoft Excel, Word and PowerPoint
MUST fit with the CORE values of the bank

Behavioural Competencies:

Promotes the JMMB’s philosophy of the Vision of Love and its unique culture.
Promotes the Project Management culture for the transformation and continuous improvement of the JMMB and its associated companies.
Solution oriented expert
Actively live our core values as enshrined in the Vision of Love
Extraordinary leader working in the best interest of all

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JMMB Vacancies November 2021

Business Banking Manager

JMMB Trinidad and Tobago

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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

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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