Business & Corporate Credit Solutions Manager

Business & Corporate Credit Solutions Manager

First Global Bank is a Jamaican-based commercial bank and a wholly-owned subsidiary of GraceKennedy Limited. Operating since 2002, FGB has a reputation of redefining the banking experience through its commitment to technology and a high standard of service delivery. The bank was first to deliver several digital channels including the Caribbean’s First Video Teller Machine and expanded service delivery through agent banking services. FGB also offers one of the best rated online banking platforms (Global Access). First Global Bank currently operates eight (8) main branches and fourteen (14) banking agents across Jamaica.

BUSINESS & CORPORATE CREDIT SOLUTIONS MANAGER

Purpose of position

• Contribute to the profitable growth and quality of the Bank’s Credit portfolio by providing financial solutions for clients.

Principal Responsibilities.

Contribute to the profitable development of credit products and communicate with the prospect or client:

• Conduct financial analysis and recommendation of terms, conditions, pricing and covenants to provide viable banking proposal to the client within sound credit lending practices.
• Prepare credit proposals for prospects in conjunction with the Business Bankers & Corporate Relationship Manager.
• Ensure that Credits within assigned portfolio are reviewed before expiry dates &/or required extensions done.
• Ensure high level of service is maintained and that credit applications are presented in professional and timely manner as per SLAs.
• Determine the adequacy and enforceability with legal help where necessary) of collateral security, the financial condition of borrowers and their capacity to service the debts being presented to the Credit Committee for approval.

• Ensure that business growth and profitability metrics are consistent with business line targeted credit quality thresholds and risk appetite
• Provide expert advice to ensure timely prioritization, execution, and delivery of key projects and initiatives relating to the Credit function

Required Qualification, experience and key competencies: 

The successful candidate should have:

• B.Sc. Degree in Management Studies, Finance, Economics or related area.
• Five (5) years’ experience in Banking at the management level preferably in general credit including corporate lending and loan administration.

• Thorough knowledge of the commercial banking marketplace in Jamaica and a general knowledge of key industries and competitive positioning within the assigned market area.
• Good understanding of the commercial bank’s objectives, segment, strategies, structure, as well as its lending and deposit products and services.
• Excellent communication, interpersonal and negotiating skills.
• Sound analytical skills and the ability to assess lending risks.
• Thorough knowledge of the Banking Act 1992, the Banking Amendment Act 1997 and the BOJ Regulations regarding Credit Classification, Provisioning and Non-accrual Requirements.
• Strong knowledge of commercial lending and deposit products and service
• Proficiency with MS Office Suite.

First Global upholds the principles of fairness and equity in the treatment of all our employees and stakeholders. The Company is committed to equity in all its employment practices and policies and seeks to recruit, develop and retain its employees on the basis of merit, ability and performance. As such, we are committed to ensuring equal opportunity in employment, and will not discriminate on the grounds of race, national origin, religion, gender, or otherwise.