We
are a part of The Jamaica National Group Limited and together, we represent a
globally respected brand, boldly finding ways to enrich lives and build better
communities. Our core values make us who we are and are demonstrated
in everything we do; rooted in RESPECT we believe our everyday jobs
contribute to something bigger than ourselves. We are dependable and pride
ourselves in our authenticity and in the transparent solutions
we create that bring value to our customers.
JN
Bank Limited is seeking to recruit a dynamic, suitably qualified, and
experienced individual to join our Business Banking Unit as a Credit Solutions
Analyst. The successful candidate will be responsible for contributing to the
profitable growth and quality of the bank’s credit portfolio by conducting
credit risk assessments, structuring bankable deals, and ensuring alignment
with the bank’s credit policies. This role supports the origination, renewal,
and ongoing monitoring of commercial and SME credit facilities.
Job Category: Assistant Manager
Contract: Permanent
KEY RESPONSIBILITIES
Credit Underwriting
- Conduct
comprehensive financial and credit risk analyses for new credit
applications and renewals.
- Assess
the borrower’s financial health, repayment capacity, and the adequacy of
proposed collateral.
- Prepare
detailed, well-structured credit proposals with recommendations on terms,
pricing, covenants, and conditions, ensuring alignment with JN Bank’s
credit policies.
- Ensure
timely and accurate submission of credit applications in line with
internal Service Level Agreements (SLAs).
- Collaborate
with Business Bankers to gather relevant client information and ensure
strong justification for credit decisions.
Develop Credit Solutions
- Design
customized, bankable credit solutions that balance the client’s business
needs with the Bank’s risk appetite.
- Apply
innovative structuring to mitigate credit risk while offering value-added
financial products and services.
- Discuss
proposed credit solutions with senior underwriters and key stakeholders to
ensure alignment with strategic objectives.
- Ensure
credit solutions comply with regulatory guidelines and internal controls.
- Maintain
high standards of professional conduct, ensuring integrity and objectivity
in all credit dealings.
Monitor Portfolio Quality
- Perform
regular reviews of the commercial and SME loan portfolio to identify signs
of deterioration or changes in risk profiles.
- Track
and manage portfolio performance indicators, including delinquencies,
non-performing loans, and concentration risks.
- Recommend
or initiate remedial actions, such as restructuring or variations in
terms, to improve the health of the portfolio.
- Monitor
adherence to loan terms, covenants, and other compliance requirements
across all accounts.
- Work
closely with Business Bankers and Credit Risk to ensure timely follow-ups
on exceptions and covenant breaches.
REQUIRED
QUALIFICATIONS & EXPERIENCE
· Bachelor’s degree
with a minimum of 7 years’ relevant experience OR Master’s degree with at least
3 years’ experience in a similar role.
· Demonstrated
expertise in business credit underwriting and deal structuring.
· Strong
understanding of the Banking Services Act (2014) and BOJ credit regulations.
· Proficiency in
Microsoft Outlook, Word, Excel, and PowerPoint.
· Exceptional
communication (oral and written) and interpersonal skills.
· Excellent
analytical and problem-solving capabilities.
· Strong attention
to detail and the ability to prioritize multiple tasks.
PERSONAL
ATTRIBUTES
· Analytical
thinker with sound judgment and decision-making skills.
· Highly
customer-focused and service-oriented.
· Flexible,
adaptable, and able to perform in high-pressure situations.
· Professional
confidence and self-awareness.
· Ability to build
strong relationships and influence stakeholders.
APPLICATION
CLOSING DATE: JULY 21,2025
