Loans Officer

Type: Full Time
Due Date: February 17, 2023


The St. Kitts-Nevis-Anguilla National Bank Limited, one of the premier financial institutions in the Eastern Caribbean Currency Union, invites persons to join our dedicated team of service professionals. We are looking for a dynamic and results-driven candidate to fill our vacant position.

Position Summary

The Loans Officer will be responsible for initiating the lending process for potential borrowers through loan interviews, preparing loan applications, analyzing, and verifying the accuracy of information provided.

Principal Duties and Responsibilities:

• Interview potential borrowers to understand their lending needs, gather necessary information to complete lending applications and request additional details or documents as needed.

• Review loan applications, verify the information provided, gather credit histories and reports, and assess applicant’s capacity to repay and default risk.

• Approve or decline loans within assigned lending limits or refer loans that exceed the assigned lending limits.

• Prepare proposals for loan applications that require approval from either the Chief Credit Risk Officer, Chief Executive Officer or Credit Committee/Board of Directors.

• Ensure that loan agreements are completed according to policy, calculate, and explain payment schedules.

• Monitor and follow up loans and advances granted in accordance with the Bank’s Policies and Guidelines (inclusive of delinquent loans and advances).

• Periodically review collateral held for loans and advances and maintain records of adjustments, recalculations and payments.

• Respond to routine requests for information from employees or the public and respond to credit queries from other financial institutions.

• Solicit new credit business (from existing and potential customers).

• Troubleshoot and respond to queries made by customers about their accounts, products and services.

• Ensure that best practice is observed in the execution of all duties, by following all policies, guidelines, regulations, and laws.

• Other duties that may be assigned from time to time.

Qualifications and Experience:

• Bachelor’s Degree or Certification in Banking, Finance or a related field.

• A minimum of 5 years of experience in lending or related field.

• A minimum of 7 years of experience in commercial banking, financial products.

Skills and Abilities:

• Excellent verbal and written communication skills.

• Strong organizational skills and attention to details.

• Good problem solving, analytical and decisionmaking skills.

• Ability to maintain a high degree of professionalism with a high commitment to quality.

• Ability to explain complicated loan policies and terms in a clear and understandable way.

• Excellent time management skills with the ability to perform within a fast paced, high pressure and dynamic environment with a high level of accuracy.

• A high degree of confidentiality, dependability, and initiative.

• Excellent customer service and sales skills with the ability to maximize cross selling opportunities

• Proficient with Microsoft Office Suite.

Applications for consideration should be submitted, with a cover letter and résumé, via e-mail to [email protected] or by mail addressed to: Chief Human Resources Officer, P.O. Box 343, Central Street, Basseterre, St. Kitts no later than Friday 17th February 2023.

Only shortlisted candidates will be contacted.

Company St.Kitts-Nevis-Anguilla National Bank Limited Address P.O. Box 343, Basseterre, St. Kitts Phone (869) 465-2204 Fax (869) 465-1050 Email [email protected] Website