Job Category: Assistant Manager

Contract: Permanent

KEY RESPONSIBILITIES

Credit Underwriting

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  Conduct comprehensive financial and credit risk analyses for new credit applications and renewals.
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  Assess the borrower’s financial health, repayment capacity, and the adequacy of proposed collateral.
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  Prepare detailed, well-structured credit proposals with recommendations on terms, pricing, covenants, and conditions, ensuring alignment with JN Bank’s credit policies.
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  Ensure timely and accurate submission of credit applications in line with internal Service Level Agreements (SLAs).
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  Collaborate with Business Bankers to gather relevant client information and ensure strong justification for credit decisions.

Develop Credit Solutions

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  Design customized, bankable credit solutions that balance the client’s business needs with the Bank’s risk appetite.
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  Apply innovative structuring to mitigate credit risk while offering value-added financial products and services.
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  Discuss proposed credit solutions with senior underwriters and key stakeholders to ensure alignment with strategic objectives.
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  Ensure credit solutions comply with regulatory guidelines and internal controls.
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  Maintain high standards of professional conduct, ensuring integrity and objectivity in all credit dealings.

Monitor Portfolio Quality

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  Perform regular reviews of the commercial and SME loan portfolio to identify signs of deterioration or changes in risk profiles.
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  Track and manage portfolio performance indicators, including delinquencies, non-performing loans, and concentration risks.
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  Recommend or initiate remedial actions, such as restructuring or variations in terms, to improve the health of the portfolio.
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  Monitor adherence to loan terms, covenants, and other compliance requirements across all accounts.
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  Work closely with Business Bankers and Credit Risk to ensure timely follow-ups on exceptions and covenant breaches.

REQUIRED QUALIFICATIONS & EXPERIENCE

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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.

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Demonstrated expertise in business credit underwriting and deal structuring.

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Strong understanding of the Banking Services Act (2014) and BOJ credit regulations.

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Proficiency in Microsoft Outlook, Word, Excel, and PowerPoint.

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Exceptional communication (oral and written) and interpersonal skills.

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Excellent analytical and problem-solving capabilities.

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Strong attention to detail and the ability to prioritize multiple tasks.

PERSONAL ATTRIBUTES

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Analytical thinker with sound judgment and decision-making skills.

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Highly customer-focused and service-oriented.

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Flexible, adaptable, and able to perform in high-pressure situations.

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Professional confidence and self-awareness.

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Ability to build strong relationships and influence stakeholders.