Head Of Credit (Port-Of-Spain)

Overseeing underwriting team performance, ensuring adherence to company policies and laws. Facilitating timely credit decisions, delegating tasks, analyzing data, and offering credit recommendations to enhance loan portfolio. Providing branch and collections support.

Job Summary:

The head of credit is responsible for the performance of the underwriting team in accordance with the Company’s policies and applicable legislation. He/She, through the senior credit officer(s), will be responsible for timely decision making on client credit applications, delegating of operational duties, data collection and analytics. Make credit recommendations to improve JEF’s loan portfolio, while providing support to the branches and collections.

Key Responsibilities:

• Responsible for making timely decisions on all loans, adhering to credit granting parameters, guiding policies and lending authority limits. The direct liaison between JEF and JMMB Risk department TT.
  
  
• Assesses and evaluates financial and credit position of prospective and existing client accounts for credit worthiness and equity value to the business in compliance with guiding credit risk policies and procedures.
  
  
• Supervises and oversees the duties of the Credit Officers within the Unit to support the submission of credit-worthy proposals for approval. Measuring and management of KPIs for the credit department and identifying individual/team performance gaps for improvement with recommended training plans. Manages the team for business continuity through rosters and coordinating leave/vacation etc.
  
  
• Liaises with clients and related parties to obtain information /clarification /documentation required to complete the credit proposal for approval. Has the authority to approve credit exceptions (within JEF’s threshold).
  
  
• Conducts ongoing, in-depth financial, economic, industry and other specific risk analyses to identify developments and activity for use in assessing credit requests and making recommendations. Provides credit and economic overviews and reports for JEF as required, using both internal and external data.
  
  
• Performs other related duties as assigned i.e. presentation to the JEF TMs and/or senior management.

Qualifications (Education & Certification):

• Bachelor’s degree in business management/economics/finance or related field from an accredited University.

OR

• Institute of Banking and Finance of Trinidad and Tobago (IBAF) qualifications with three (3) years banking experience

Experience:

• Minimum five (5) years’ experience in a similar position
  Minimum two (2) years supervisory experience 

Other (Skills):

• Excellent financial and analytical skills
• Excellent interpersonal and communication skills
• Proficient in Microsoft Suite of products
• Time Management and organizations skills