We are seeking a highly analytical and results-oriented Adjudicator to join our Credit Risk Management Unit. The successful candidate will be responsible for reviewing loan applications, making sound credit decisions, identifying and mitigating credit risks, and providing recommendations in keeping with the Bank’s lending policies, guidelines and established approval limits.
The role will also contribute to the development of loan officers through coaching, support the continuous review of loan policies and participate in assigned projects.
Loan Review & Credit Decision-Making
- Review loan applications and make credit decisions within established timelines.
- Assess credit risks inherent in loan proposals and recommend appropriate mitigating conditions.
- Determine appropriate Conditions of Approval to mitigate the Bank’s credit risk exposure and maintain the Conditions Log.
- Review re-submissions and make timely loan decisions.
- Recommend decisions on exceptions where applicable.
- Consult with the Senior Adjudicator regarding loan conditions, exceptions and proposed declines, where necessary.
- Clearly document the rationale for loan suspensions and declines.
Credit Risk Management
- Ensure loan decisions are consistent with prescribed lending limits, policies and guidelines.
- Identify material risks and deficiencies within loan proposals before approval.
- Apply sound credit judgment in assessing loan proposals and determining appropriate risk mitigation measures.
- Support the maintenance of high-quality credit decisions through thorough and accurate loan reviews.
Policy & Process Improvement
- Review loan policies and provide recommendations for changes based on emerging requirements and operational experience.
- Keep abreast of changes to Bank policies, products, services and reporting requirements.
- Participate in assigned projects and contribute to the achievement of project objectives.
- First Degree in Finance, Business Administration or Accounting; or
- ACCA Level 2 Certificate; or
- A minimum of seven (7) years' experience as a Loans Officer.
- Experience in managing risks and relationships with customers, clients and stakeholders.
- Strong communication skills, including reading, writing, speaking, listening and knowledge sharing.
The successful candidate should demonstrate:
- Analytical Thinking – ability to assess complex information, identify risks and make sound decisions.
- Professional Confidence – demonstrates confidence and sound judgment when making and communicating credit decisions.
- Flexibility – adapts effectively to changing requirements and circumstances.
- Teamwork – collaborates effectively with colleagues and contributes to team objectives.
- Working Strategically – understands the broader organisational and risk implications of credit decisions.
- Customer Service Orientation – maintains an appropriate customer and stakeholder focus while balancing the Bank’s credit risk requirements.
Skills Required
- First degree in Finance, Business Administration, or Accounting
- ACCA Level 2 Certificate
- Minimum of seven years’ experience as a Loans Officer
- Experience managing risks and relationships with customers, clients, and stakeholders
- Strong communication skills, including reading, writing, speaking, listening, and knowledge sharing
What We Do
The Jamaica National Group Limited is a Jamaican financial-services group whose member companies include JN Bank, Total Credit Services, JN Life Insurance, and MC Systems. Through banking, credit, insurance, and ICT-related businesses, it serves personal and business customers. The group presents itself as a globally respected brand committed to enriching lives, developing employees, and creating opportunities through its connected companies.
