First Degree in Management, Finance, Economics, Accounting or Banking.
Strong quantitative and analytical skills.
Licensed by the Financial Services Commission (FSC), or eligible for licensing.
In-depth knowledge of credit policies and guidelines and financial sector instruments, laws, and regulations.
Certification in JMMB's Financial Planning Services (FPS).
Intimate knowledge of the local financial market operations, with exposure to international money markets would be a distinct asset.
In-depth knowledge of financial and credit analysis, to include the preparation of credit proposals, and loan disbursement processes.
Attract new clients and mine the existing database for potential clients to increase the consolidation sub-segment clientele by Creating networking opportunities to solicit new business, participating in sales, marketing, and public relations activities, and attending booths, trade shows, and exhibitions as needed.
Develop plans for growing client base and deepening client relationships and wallet share aligned with JMMB’s marketing and sales strategy to maintain an active health pipeline of prospective clients and convert to business to increase revenue growth.
Establish financial partnerships and create initiatives and opportunities for business development.
Proactively engage with existing clients to deepen wallet-share as part of managing relationships and enhance portfolio values, updating relevant Client Relationship Management tools as required.
Conduct interviews with clients to assess their stated and unstated needs, including deposits, investments, and credit requirements, using a financial planning approach.
Deliver presentations and participate in activities for networking to external groups and individuals as part of the prospecting and servicing strategy, ensuring transparent disclosure of terms, conditions, and fees.
Ensure accuracy and completeness of documents for services requested.
Perform financial and credit analysis, prepare credit proposals, and manage loan application in accordance with pre and post disbursement processes and policies.
Conduct credit analysis
Facilitate the preparation of credit proposals and completion of the loan process.
Strict adherence to Delinquency Management protocols per Credit Risk Management (CRM) guidelines.
Utilize appropriate application or other Client Relationship Management tools to document leads, sales, meetings, events, and business outcomes.
Prepare and follow up on any necessary loan documents and approval conditions for clients to sign and provide upon approval of the credit facility.
Conduct required data searches, verify client signatures, and ensure accuracy and completeness of forms before entering data into UCS or other designated systems according to operating guidelines.
Receive, input, and commit relevant data/documents (e.g., withdrawal requests, loans, deposits, fund transfers, foreign exchange transactions, loan payments, interest payments, change requests), ensuring data accuracy, proper documentation, Compliance requirements and signature verification before seeking authorization.
Liaise with Credit Administrators regarding the preparation of security documentation for loans.
Supports the migration of clients to appropriate digital and omni channels.
Authorize transactions and sign documents on behalf of JMMB within the parameters specified in the policy and procedure documentation.
Coordinate reports for Executive Management and the Board, and its sub-committees, to include identifying trends in High-Net-Worth client portfolio performances as required.
Proactively initiate meetings with HNW Clients as well as upon their request to update them on new solutions/services, rates, and financial market developments to rebalance portfolios as appropriate.
Coordinating with internal departments and external financial agencies to resolve issues that may impact the Client's Financial Plan.
Monitoring other companies in which Clients have financial interests for issues or events that may impact the Client’s Financial Plan
Preparing and dispatching confirmation documents as instructed upon the Client's request.
Maintaining records of Clients' transactions and interactions through relevant Client Relationship Management tools.
Helps fulfil JMMB's contract with the Client through after-sales service, which includes:
Managing both simple and complex transaction requests.
Responding to Client inquiries regarding their financial portfolios including investment and credit components.
Interpreting market events and trends for the Client.
Listening to and assisting in defining and addressing Client concerns and escalating the situation when necessary.
Identifying "Special Cases" (e.g., based on age, health status, financial status, distance from FLGC and taking action to eliminate or mitigate any obstacles they face, including referring them to the Manager or Client Partnership Monitoring Unit when appropriate.