What are the responsibilities and job description for the Senior Commercial Lending Officer position at JCW?
Position Summary
JCW seeks an experienced Commercial Credit Manager to lead its credit underwriting team and ensure adherence to sound underwriting practices. This role reports directly to the Chief Credit Officer and involves managing a team of credit analysts, reviewing credit proposals, and collaborating with other departments.
Main Accountabilities:
- Direct and develop a team of credit analysts to drive commercial lending underwriting processes.
- Analyze and structure credit proposals, guaranteeing compliance with bank credit policies and regulations.
- Liaise with relationship managers and executive staff to facilitate loan origination and portfolio management.
- Monitor and mitigate credit risk across different sectors and lending models, offering expert advice on intricate credit decisions.
- Enhance underwriting policies and procedures to optimize risk management.
- Present detailed credit performance data to senior management regularly.
Requirements:
- A minimum of 5 years' experience in commercial credit roles within a banking setting.
- A proven track record of leading credit underwriting teams and assessing credit risks.
- In-depth knowledge of commercial lending principles, financial statement analysis, and regulatory requirements.
- The ability to handle multiple tasks efficiently in a dynamic environment.
- Outstanding communication and decision-making abilities.
