Key Responsibilities

• 
  Conduct comprehensive credit risk and financial analyses and recommend appropriate lending structures, pricing, terms, and covenants.
• 
  Assess the adequacy of collateral security, borrower financial strength, and debt-servicing capacity.
• 
  Review commercial loan applications, identify key risk factors, and prepare credit proposals for presentation to adjudicating bodies.
• 
  Structure tailored financing solutions that balance client objectives with the Bank’s risk appetite and credit policies.
• 
  Partner with Relationship Managers and Corporate & Commercial Banking Managers to support business development opportunities.
• 
  Monitor the quality and performance of the business credit portfolio and recommend corrective actions where necessary.
• 
  Ensure adherence to lending policies, regulatory requirements, and service level agreements.
• 
  Lead and support team members to achieve departmental objectives and maintain high performance standards.
• 
  Maintain awareness of industry trends, legislative developments, and regulatory changes impacting business lending.

Required Qualifications & Experience

• 
  Bachelor’s Degree with a minimum of seven (7) years of relevant experience,
  or
  a Master’s Degree with at least three (3) years of relevant experience.
• 
  Proven experience in business lending, credit analysis, and credit underwriting.
• 
  Strong analytical skills with the ability to assess lending risks and make sound credit recommendations.
• 
  Knowledge of the Banking Services Act and Bank of Jamaica regulations relating to credit classification and non-accrual requirements.
• 
  Proficiency in Microsoft Office applications.
• 
  Experience leading teams and managing multiple priorities in a dynamic environment.

Knowledge, Skills & Competencies

The ideal candidate will demonstrate:

• 
  Strong credit underwriting and financial analysis skills.
• 
  Excellent negotiation, influencing, and relationship management abilities.
• 
  Sound business judgment and decision-making capabilities.
• 
  Exceptional written and verbal communication skills.
• 
  Strong customer focus and stakeholder management skills.
• 
  Ability to multitask, prioritize, and meet deadlines.
• 
  Strategic thinking and problem-solving skills.
• 
  High levels of professionalism, integrity, and confidentiality.
• 
  Strong leadership and team management capabilities.