SME Business Banker

While we appreciate all applicants, only applications received via Sagicor's career portal https://career4.successfactors.com/career?company=sagicorfinP2 will be considered.

"Looking for a diverse and rewarding career? If you're looking to grow your career within a stable and growing financial services company, then Sagicor may be right for you!"

Sagicor Bank Jamaica Limited is seeking a suitable candidate to join our SME Business Banking team in the capacity of:

SME Business Banker (Grade 4)

Retain, grow and acquire a portfolio of SME Banking Clients to contribute to the strategic business priorities of profitable volume growth.

Focuses on the cross-sell, up sell and retention of existing business customers and on qualifying and converting new clients (prospects) in the assigned market area.

Manages customers portfolio of borrowing and non-borrowing accounts ensuring effective relationship management.

Location: Kingston

As an SME Business Banker, you will:

• Conduct financial analysis and recommendation of terms, conditions, pricing and covenants to provide a viable banking proposal to the client within sound credit lending practices, in conjunction with the SME Credit Solutions Manager.
• Ensure sales, relationship management and product/ service knowledge are at an appropriate level to manage the complexity of the portfolio.
• Actively seek customer feedback on the Bank’s products and services and the delivery of excellent customer service.
• Liaise with Sales Support and Credit Risk for fulfilment (including documentation, liaison with 3rd parties, security registration) and all service activities.
• Proactively provide differentiated business and financial advice to SME clients.
• Deliver financial advice through the presentation of options with a recommendation that clearly articulates value to the client
• Review, understand and be up-to-date on the clients’ financial situation, leveraging the financial and client knowledge obtained from annual review process.
• Maintain adherence to the bank’s anti-money laundering program and guidelines for business conduct, by reporting any unusual occurrences or fraudulent activities.
• Exercise due diligence when recommending and/or preparing solutions (e.g. know your client, know the transaction, risk analysis and client strategy).
• Monitor portfolio and take appropriate and immediate action to correct in instances where unavoidable lending excesses occur or where collateral is deemed “out of order” as a result of expired facilities or expired dates, respectively.
• Make recommendations on customer requests within standard bank policy.
• Perform other job-related duties assigned from time to time.

What do you need?

• A minimum of a First Degree in Management Studies, Finance or Economics from a recognized tertiary institution.
• Minimum of five (5) years’ experience in banking at the management level.
• Minimum of five (5) years of general credit including at least 3 years in SME lending.
• Sound knowledge of computer software packages including spreadsheet and word processing applications.
• Good communication (oral and written) and interpersonal skills.
• Good networking and interpersonal skills.
• Analytical skills and 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.
• Knowledge of and ability to exercise best contemporary management and supervisory practices including handling difficult employees.
• Interpersonal skills to work effectively with customers and successfully handle complaints
• Ability to understand customers’ individual needs and requirements and vary interpersonal approach to each situation.
• Ability to be persuasive in marketing the bank’s products and services.
• Demonstrated success with business development activities including prospectives and referrals.

If this role is of interest to you, kindly submit an application via Sagicor's career portal no later than September 26, 2025.

While we appreciate all applications, only shortlisted candidates will be contacted.