About Company
For a Credit Portfolio Analyst seeking an environment where precision meets impact, Career.zycto serves as a vital bridge to groundbreaking opportunities. We pride ourselves on meticulously matching skilled professionals with financial institutions poised for growth, ensuring every placement contributes to robust portfolio health and strategic decision-making. Our mission is to empower analysts to thrive, offering access to diverse projects and cultures that value analytical rigor and proactive risk management. Joining us means stepping into a network dedicated to advancing your career trajectory within the dynamic Jamaican financial landscape.
Job Description
Are you a sharp, analytical mind with a passion for mitigating risk and optimizing financial performance? Career.zycto is actively seeking a dedicated Credit Portfolio Analyst to join a dynamic team in Chapelton, Clarendon. This pivotal full-time role offers an exceptional opportunity to shape the future of a robust financial portfolio within a forward-thinking institution. As a Credit Portfolio Analyst, you will be instrumental in safeguarding assets, identifying emerging risks, and contributing to strategic decision-making that drives sustainable growth. You will delve deep into complex financial data, translating intricate insights into actionable recommendations that directly impact the bottom line and ensure stringent regulatory compliance. This role demands a proactive individual eager to continuously improve portfolio health and provide critical foresight to leadership.
This position is ideal for a professional who thrives on intellectual challenge and possesses a meticulous approach to data analysis. Your core responsibilities will include the continuous monitoring of credit portfolios, assessing the creditworthiness of various loan segments, and meticulously forecasting potential risks across different economic scenarios. You will leverage advanced analytical tools and methodologies to perform in-depth analysis of credit exposures, concentrations, and performance trends. Your expertise will be vital in developing and refining credit policies, conducting rigorous stress testing scenarios to evaluate portfolio resilience, and producing comprehensive, insightful reports for senior management, board members, and regulatory bodies. Beyond the numbers, you will play a crucial role in collaborating closely with various internal departments, including lending, risk management, and compliance. This collaborative effort will be key to fostering a culture of informed decision-making and integrated risk management across the entire organization. We are looking for someone who not only understands the intricate nuances of credit risk but can also communicate complex financial concepts clearly, concisely, and persuasively to diverse stakeholders. If you are ready to make a tangible impact, elevate your career in financial services, and become a key player in managing financial stability and driving strategic excellence, we strongly encourage you to apply. This is a chance to apply your expertise in a role that offers significant growth potential and direct influence on the institution’s success.
Key Responsibilities
- Conduct comprehensive credit portfolio analysis, including risk assessment, performance monitoring, and trend identification.
- Develop and implement robust credit risk models and stress testing scenarios to evaluate portfolio resilience.
- Prepare detailed reports on portfolio performance, credit quality, and risk exposures for senior management and regulatory bodies.
- Monitor economic conditions, industry trends, and regulatory changes to identify potential impacts on the credit portfolio.
- Collaborate with lending, risk management, and compliance teams to refine credit policies and strategies.
- Proactively identify early warning signals of deteriorating credit quality and recommend appropriate mitigation actions.
- Contribute to the enhancement of data infrastructure and analytical tools used for credit portfolio management.
- Present analytical findings and recommendations clearly and persuasively to stakeholders at various levels.
Required Skills
- Bachelor's degree in Finance, Economics, Business Administration, or a related quantitative field.
- Proven experience (minimum 3 years) in credit risk management, portfolio analysis, or a similar analytical role within financial services.
- Strong analytical and quantitative skills, with proficiency in statistical analysis and financial modeling.
- Advanced proficiency in Microsoft Excel, including pivot tables, VLOOKUP, and financial functions.
- Experience with data analysis tools such as SQL, Python, R, or other relevant software.
- Excellent written and verbal communication skills, with the ability to articulate complex financial concepts clearly.
- Solid understanding of credit products, lending processes, and regulatory frameworks relevant to the Jamaican financial sector.
Preferred Qualifications
- Master's degree in Finance, Business Analytics, or a related field.
- Professional certifications such as CFA (Chartered Financial Analyst), FRM (Financial Risk Manager), or similar.
- Experience with credit rating methodologies and risk management software platforms.
- Familiarity with IFRS 9 and other international accounting standards for financial instruments.
Perks & Benefits
- Competitive salary package and performance-based bonuses.
- Comprehensive health, dental, and vision insurance.
- Retirement savings plan with company contributions.
- Generous paid time off, including vacation, sick leave, and holidays.
- Opportunities for professional development and continuing education.
- Access to industry conferences and workshops.
- Employee wellness programs and initiatives.
- A supportive and collaborative work environment focused on innovation.
How to Apply
If you are a highly motivated Credit Portfolio Analyst looking to make a significant impact, we encourage you to apply. Click the link below to apply for the job.
