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NCB Financial Group

Credit Assessment and Monitoring Officer – Level 1

NCB Financial Group

  • Kingston and St. Andrew
  • Not disclosed
  • Permanent full-time
  • Updated 01/05/2024
  • NCB
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Credit Assessment & Monitoring Officer

Core Functions

• Analyze material business credit proposals from NCBJ and other relevant subsidiaries of NCBFG across various sectors and countries up to the assigned Credit Assessment Level and provide advice and counsel.
• Make supported recommendations to the appropriate GRMD management levels for authorization for total credit facilities in excess of the single Credit Assessment Levels. Where applicable, Memoranda are to be prepared for NCBFG, NCBJ, and other subsidiaries in NCB Financial Group to the respective Board Risk Management Committees and the Board of Directors.
• Conduct quarterly portfolio reviews for MSME and Large SMEs credits approved by Group Underwriting Unit (NCBJ) and credits approved by Group subsidiaries to ascertain whether the credits were approved within credit risk policies, procedures and guidelines, justifications duly noted for any exceptions and appropriate documentation is held. 
• Monitoring of assigned portfolio of NCBJ Commercial and Corporate accounts by Sectors with emphasis on the general performance of credit facilities, ensuring compliance with annual review requirements and reviewing quarterly Watch List accounts 
• Assist with the review of credit risk policies and procedures and also business product programmes for NCBJ and other subsidiaries in NCB Financial Group. 
• Provide support to the digital lending labs and any initiatives related to the business lending journey, and address queries on credit risk policies and procedures and product programmes and provide any necessary clarifications or insights that may be required.

 

Qualifications & Experience

• First Degree from a recognized Tertiary institution in Finance, Economics, Business or related field. 
• Masters’ degree in finance, accounting or business is an asset
• Minimum 5 (five) years’ experience in a financial institution reviewing commercial, corporate and capital market transactions.
• Specialized training in financial modelling and credit risk analysis is an asset 
Required knowledge:
  • NCBJ credit risk policies, procedures and guidelines. 
  • BOJ guidelines and regulations. 
  • The Banking Services Act 2014. 
  • Security Interest in Personal Property Act (SIPPA). 
  • Companies Act 2014. 
  • General Banking Operations. 
  • Analysis of Financial Information, Business Plans, Credit Risk Analysis and Evaluation. 
  • Central Bank guidelines and regulations for jurisdictions in which Subsidiaries operate. 
  • Credit risk policies, procedures and guidelines and product programmes for Subsidiaries.

Ref: Credit Assessment and Monitoring Officer – Level 1
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NCB Financial Group

NCB Financial Group

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