Credit Solutions Analyst

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.

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