Manager, Credit Risk Assessment & Monitoring

• Ensure that ongoing oversight and regular review of the overall composition and quality of the credit portfolio of NCB Jamaica is executed in line with agreed timelines. This includes portfolio reviews of specific customers, product segments and industries as well as the wholesale review of homogeneous exposures, such as consumer loans. 

• Assists with the formulation and review of credit policies, procedures and product programmes for NCB Jamaica, Clarien Bank, NCB Global Finance and any other relevant subsidiary. Make recommendations to Division Head and AGM, Group Risk Management Division as well as senior managers and risk managers at subsidiaries. 

• Arrange and perform reviews for designated subsidiaries, if necessary, to assess the loan approval process, underwriting, loan documentation and security maintenance of a sample of credit facilities granted. Communicate findings of reviews to senior managers and risk managers at subsidiaries and at the Group level and participate in review meetings (if required). Follow up to ensure that the irregularities/ breaches or process improvements identified during the reviews are satisfactorily addressed/ resolved. 

• Assess and review corporate and commercial credit proposals for NCBJ and relevant subsidiaries and provide advice and counsel to GUU, Executive Management and other relevant approving bodies.  

• Assist with the digital transformation initiatives of the NCB Financial Group by providing a risk management perspective on proposed product developments, reviewing the redesign of credit processes and acting as a key resource to agile labs.  

• Prepare Quarterly Report to the Board Risk Committee on key findings identified during general monitoring activities across NCBJ and designated subsidiaries and make suitable recommendations for policy and procedure changes to manage the risk/reward trade off.

• Provide leadership to team members (Credit Monitoring Officers) with respect to the performance appraisal, training, and recommendations for promotion.    

• Provides oversight to team members in the planning and execution of their work including the prioritization of their workflow.

• Provides developmental coaching support to team members and identifies training needs and suitable ways to fill them.