Job Summary

The incumbent must assist in the management and administration of the bank’s budgetary functions. This role involves maintaining accurate budget records, processing financial transactions, preparing reports, and supporting budgetary planning and monitoring activities. The Budget Clerk will ensure compliance with financial regulations and bank policies.

Essential Duties and Responsibilities

Budget Administration

• Assist in the preparation and monitoring of departmental/ branches budgets.
• Process budget adjustments and ensure proper documentation.
• Maintain and update budget records and ledgers.

Financial Transactions and Monitoring

• Review and budget check purchase requisitions, invoices, and expense reports.
• Verify accuracy and ensure adherence to budgetary constraints.
• Tracking of financial transactions through monitoring of the general ledgers actual vs budgeted.
• Reconcile financial statements and resolve discrepancies.

Reporting and Documentation

• Prepare monthly budgetary reports and summaries for review.
• Assist in the development of financial forecasts and projections.
• Maintain accurate and organized records of all budget-related transactions.

Financial Statements

• Prepare monthly Income Statements and Balance Sheets for branches assigned using data obtained from ITSD on the 1st working day of every month.
• Ensure Income Statements and Balance Sheets are balanced to the trial balance and highlight significant discrepancies, trends, and areas requiring attention.

Compliance and Regulations

• Ensure adherence to financial policies, procedures, and regulations.
• Assist in audits by providing necessary documentation and information.
• Stay informed about changes in financial regulations and update procedures as needed.

Communication and Coordination

• Coordinate with other departments to gather financial information and support budget-related activities.
• Provide assistance to staff regarding budget-related inquiries and processes.
• Support the Head- Financial Planning & Reporting with special projects and analyses as required.

Systems and Tools

• Utilize financial software and tools to manage budgetary data.
• Assist in the implementation and maintenance of financial systems.
• Troubleshoot system issues and work with IT support to resolve problems.

Other Responsibilities

• File reports and supporting documents in a timely and accurate manner for easy retrieval.
• Collect and compile Outstanding Bills Payable (BP2) from branches into excel worksheet by the 7th day of the Month.
• Assisting in enhancement of Budgetary procedures.
• Ensure Bank and Customer information is always kept secure and confidential.
• Adhere to the Bank’s and Branch’s security procedures.
• Developing rapport and good working relationship with other departments.
• Preparing necessary documents for audit process.
• Report any unusual transaction or fraudulent activity to your Compliance Officer/ Supervisor as per established policies and procedures.

Essential Education and Experience

• Five (5) CSEC passes including Principles of Accounts, Mathematics and English
• Minimum of one (1) year’s experience in a financial or accounting role, with a focus on budgeting and data analysis

Desirable Qualification

• Relevant certifications such as CAT (Certified Accounting Technicians) are advantageous

Knowledge/Skills and Abilities

• Proficiency in financial software and Microsoft Office Suite (particularly Excel).
• Attention to detail and accuracy in handling financial data.
• Ability to manage multiple tasks and meet deadlines in a fast-paced environment.
• Understanding of accounting principles and financial regulations.
• Familiarity with budgeting procedures and financial reporting.
• Knowledge of product features, benefits, pricing policies and procedures of all retail banking products.
• Knowledge of accounting and finance fields
• Excellent decision-making and planning skills
• Data management and presentation abilities
• Ability to explain concepts and convince listeners about ideas and plans
• Expert in preparing charts, graphs, tables, etc. for describing profit and loss status
• Branch routine and operating procedures
• Operating System (Flexcube), Microsoft Excel and Word, PowerPoint
• Regulatory Compliance, AML, KYC, FATCA

Job Summary

The Enterprise Risk Management (ERM) Lead is responsible for coordinating and supporting the execution of the Bank’s Enterprise Risk Management Framework to ensure effective risk governance, oversight, reporting, and accountability across the organization. The term Lead reflects enterprise-wide process leadership and coordination responsibility rather than formal people-management authority. The role provides technical guidance, facilitates cross-functional activities and drives completion of enterprise risk management deliverables across the Bank. The role serves as the central coordination point for enterprise-wide risk management activities and supports the Chief Risk Officer (CRO) in strengthening risk governance, regulatory compliance, supervisory readiness, risk culture and the overall effectiveness of the Risk Function. The ERM Lead is expected to maintain a comprehensive understanding of all activities undertaken through the CRO’s office and serve as the principal resource within the Enterprise Risk Department for monitoring, coordinating and tracking risk governance activities, regulatory commitments, Board and Management Committee matters and strategic risk initiatives. This role contributes to timely, accurate and comprehensive risk reporting while promoting consistent risk management practices across the Bank. The ERM Lead however, does not possess delegated authority to independently approve risk appetite statements, risk limits, risk ratings, regulatory responses, material mitigation plans or business change approvals. The role is accountable for coordination, review, challenge, escalation and reporting to support decision-making by authorized management and governance bodies. The ERM Lead does not assume ownership of first-line business risks or controls. Ownership remains with designated Business Units and risk owners. The role maintains enterprise visibility and oversight of risk information and supports escalation, monitoring and reporting. The role carries enterprise-wide accountability for the quality, completeness, integrity and timeliness of ERM governance processes, reporting and risk information provided to the CRO, Executive Management and Board Committees.

Essential Duties and Responsibilities

Enterprise Risk Management and Governance

• Coordinate enterprise-wide risk management activities and support the consistent application and continuous enhancement of the Bank’s Enterprise Risk Management Framework across the Bank.
• Lead and coordinate and be held accountable for the quality of the Bank’s periodic Enterprise Risk Assessment (ERA), including engagement with risk owners and specialist risk functions, assessment of material and emerging risks, challenge of risk ratings and consolidation of results for review and approval by the CRO and relevant governance committees.
• Maintain and oversee the Enterprise Risk Register, ensuring material risks, controls, risk responses, action plans and ownership are accurately documented, periodically reviewed and monitored.
• Coordinate the Bank’s departmental risk assessment and risk register process, promoting consistency in risk identification, assessment, rating and escalation and identifying matters requiring elevation to the Enterprise Risk Register.
• Monitor risk mitigation activities, committee actions, regulatory commitments and other risk-related action items to support timely completion, escalation and accountability.

Enterprise Risk Reporting, Appetite and Monitoring

• Lead and coordinate and be held accountable for the quality of the preparation, consolidation, review and distribution of the Enterprise Risk Report (ERR), risk dashboards and presentations for Executive Management, Board Committees and regulators.
• Coordinate the development, implementation and periodic review of the Bank’s Risk Appetite Framework, including risk appetite statements, measures, limits and thresholds, in consultation with the CRO, specialist risk functions and relevant risk owners for recommendation to the CRO.
• Monitor and report on Key Risk Indicators (KRIs), Risk Appetite metrics, identification and escalation of emerging risks and material risk exposures, ensuring breaches, adverse trends and significant changes in the Bank’s risk profile are appropriately analysed and escalated.
• Coordinate the development and periodic review of enterprise KRIs to ensure indicators and thresholds remain relevant to the Bank’s material risks and provide meaningful early-warning information.
• Coordinate the identification and assessment of emerging and interconnected risks and ensure material developments are appropriately reflected in the Enterprise Risk Register, Enterprise Risk Report and other risk governance reporting.
• Supports implementation of policies and frameworks approved by management and governance bodies and provides recommendations for enhancement where appropriate.

New Products, Projects and Material Change

• Lead and coordinate and be held accountable for the quality of the enterprise risk assessments for new products, services, significant projects and material business changes, obtaining input from Operational Risk and other relevant specialist risk functions to ensure material risks and required mitigating actions are identified and considered prior to implementation or approval, where applicable.

Regulatory and Supervisory Coordination

• Coordinate regulatory examinations, information requests and supervisory responses while maintaining oversight of regulatory commitments, related action plans and follow-up activities.
• Maintain a consolidated view of material regulatory and supervisory commitments assigned through the CRO’s office and escalate delays, dependencies or matters requiring senior-level intervention.

Stakeholder Engagement and CRO Support

• Liaise with Business Units, specialist risk functions and support functions to obtain risk information, coordinate enterprise risk activities and promote timely completion of risk management requirements.
• Foster strong working relationships with internal and external stakeholders to support effective enterprise risk management.
• Assist the Chief Risk Officer with strategic risk initiatives, special projects, regulatory matters and Board-level reporting requirements.
• Serve as a central coordination resource to the CRO by maintaining visibility over material activities undertaken through the CRO’s office and supporting the integration of risk information across the Bank’s specialist risk disciplines.

Authority and Resources

The role has no direct budgetary, revenue, asset management or staffing authority. Accountability is achieved through influence, coordination, technical expertise, monitoring and escalation across the organization.

Other Responsibilities

• Support continuous improvement initiatives within the Enterprise Risk Function.
• Perform any other duties as reasonably assigned by the Chief Risk Officer.

Essential Education and Experience

• Bachelor’s Degree in Risk Management, Finance, Business Administration, Economics, Accounting, Banking, Law or a related discipline.
• Minimum of five (5) years’ experience in Banking, Financial Services, Risk Management, Compliance, Internal Audit or a related area.
• Experience preparing executive and Board-level reports and presentations.
• Experience facilitating meetings, workshops and stakeholder engagements.

Desirable Qualification

• Professional certification in Risk Management, Compliance, Internal Audit, Governance, Banking, or related discipline (e.g., FRM, PRM, CRMA, CIA, CAMS, or equivalent).
• Postgraduate qualification in Risk Management, Finance, Business Administration or a related field.
• Experience interacting with regulators and external stakeholders.

Knowledge/ Skills and Abilities

Technical Competencies

• Strong understanding of Enterprise Risk Management principles, frameworks and governance practices.
• Sound knowledge of banking regulations, regulatory expectations and risk management requirements.
• Knowledge of risk appetite frameworks, Key Risk Indicators (KRIs), risk assessments and risk reporting methodologies.
• Ability to analyze and interpret risk information and communicate findings effectively.
• Advanced proficiency in Microsoft Excel, PowerPoint, Word and data reporting tools.
• Strong report writing, presentation development and dashboard preparation skills.

Job Summary

To provide efficient, high-quality service in the encoding and disbursement of all approved credit facilities, in alignment with the Bank’s established approval limits. As a Disbursement Representative, you play a key role in maintaining operational accuracy while promoting a collaborative team environment. Adherence to the Bank’s policies and procedures is essential to ensuring service excellence and upholding the standards of professionalism expected at GBTI.

Essential Duties and Responsibilities

Ensuring the encoding and disbursals of all credit facilities by following the Bank’s guidelines and procedures to provide efficient and excellent services.

1. Encoding of loans/ overdrafts/ amendments.

• Encoding of loans/ overdrafts/ amendments as directed by immediate Supervisor or Manager.
• Update customer CIF, account and collateral information on Flexcube (amendments to overdraft renewal dates, status change, credit scores, collateral renewal dates, etc).
• Disburse loans or tranches of loans in accordance with the amounts and conditions approved by the Bank’s approval authorities.
• Apply tools and techniques acquired through training and coaching to deliver effective guidance and solutions for the timely completion of the transaction.

2. Validate, Scan and File Original Disbursals Documents received from Branches.

• Verify original documents received are error free and any previous corrections were rectified for completion.
• Scans and forwards disbursal documents to relevant units and branches for inclusion in credit files.
• Ensures proper filing and organization of all disbursal documents in accordance with established procedures.

3. Preparation of Vouchers for Loan and Overdraft Charges

• Prepares vouchers related to loan and overdraft charges in accordance with the Bank’s fee schedule.
• Verifies that the amounts being debited align with approved charges.
• Ensures sufficient funds are available and that all debits and credits are accurately applied to the appropriate General Ledger accounts.

4. Compile listing of Vouchers from Previous day.

• Prepares a comprehensive listing of vouchers processed on the previous day.
• Ensures timely submission of the compiled list to appropriate department for further processing and record-keeping.

5. Undertake all such other duties and responsibilities as may be assigned by Management from time to time.

Essential Education and Experience

• Five (5) CSEC passes including Mathematics and English
• Two (2) years’ experience in banking

Desirable Qualification

N/A

Knowledge/Skills and Abilities

• Comfortable working knowledge of the procedures for encoding loans/ overdrafts and disbursals.
• Knowledge of product features, pricing policies and procedures of credit facilities.
• Credit Administration routine and operating procedures.
• Working knowledge of core operating systems
• Ability to use Microsoft Suite of products

Job Summary

To provide efficient, high-quality service in the encoding and disbursement of all approved credit facilities, in alignment with the Bank’s established approval limits. As a Disbursement Representative, you play a key role in maintaining operational accuracy while promoting a collaborative team environment. Adherence to the Bank’s policies and procedures is essential to ensuring service excellence and upholding the standards of professionalism expected at GBTI.

Essential Duties and Responsibilities

Ensuring the encoding and disbursals of all credit facilities by following the Bank’s guidelines and procedures to provide efficient and excellent services.

1. Encoding of loans/ overdrafts/ amendments.

• Encoding of loans/ overdrafts/ amendments as directed by immediate Supervisor or Manager.
• Update customer CIF, account and collateral information on Flexcube (amendments to overdraft renewal dates, status change, credit scores, collateral renewal dates, etc).
• Disburse loans or tranches of loans in accordance with the amounts and conditions approved by the Bank’s approval authorities.
• Apply tools and techniques acquired through training and coaching to deliver effective guidance and solutions for the timely completion of the transaction.

2. Validate, Scan and File Original Disbursals Documents received from Branches.

• Verify original documents received are error free and any previous corrections were rectified for completion.
• Scans and forwards disbursal documents to relevant units and branches for inclusion in credit files.
• Ensures proper filing and organization of all disbursal documents in accordance with established procedures.

3. Preparation of Vouchers for Loan and Overdraft Charges

• Prepares vouchers related to loan and overdraft charges in accordance with the Bank’s fee schedule.
• Verifies that the amounts being debited align with approved charges.
• Ensures sufficient funds are available and that all debits and credits are accurately applied to the appropriate General Ledger accounts.

4. Compile listing of Vouchers from Previous day.

• Prepares a comprehensive listing of vouchers processed on the previous day.
• Ensures timely submission of the compiled list to appropriate department for further processing and record-keeping.

5. Undertake all such other duties and responsibilities as may be assigned by Management from time to time.

Essential Education and Experience

• Five (5) CSEC passes including Mathematics and English
• Two (2) years’ experience in banking

Desirable Qualification

N/A

Knowledge/Skills and Abilities

• Comfortable working knowledge of the procedures for encoding loans/ overdrafts and disbursals.
• Knowledge of product features, pricing policies and procedures of credit facilities.
• Credit Administration routine and operating procedures.
• Working knowledge of core operating systems
• Ability to use Microsoft Suite of products

Job Summary

The Personal Banking Officer contributes to the overall success of the branch by achieving established targets and executing targeted sales strategies in full compliance with regulatory policies and procedures. A key focus of this role is identifying and capitalizing on sales opportunities in retail and commercial loans. The incumbent is responsible for developing new client relationships while deepening engagement with existing customers. Effective performance in this position is essential to expanding GBTI’s market share and strengthening trust with customers, business partners, and colleagues.

Essential Duties and Responsibilities

Loan Processing:

• Evaluate and process credit applications, ensuring accuracy and compliance with the bank’s risk appetite, policies, and procedures.
• Facilitate the timely disbursal of approved loans in accordance with policies and guidelines.
• Handling queries on retail/SME loans/overdrafts/credit cards accounts; including assisting with automatic renewals of credit cards.
• Preparation of reminder letters to customers on renewal of overdrafts and submission of Financial Statements and Valuations.
• Conduct field visits for loan customers.
• Process and prepare entries Bonds & Guarantees.
• Completion of any other duties assigned, which will be described upon assignment.

Client Relationship Management:

• Cultivate and maintain strong relationships with credit clients.
• Provide professional and responsive support to clients throughout the loan application process.
• Conduct regular follow-ups with clients to address inquiries, provide updates, and ensure satisfaction.
• Prepare yearly letters to clients for the submission of Financial Statements, valuations, and updated documents. Dispatch letters by the second month of the new year.

Credit Portfolio Health:

• Strive to achieve sales targets while maintaining the integrity and health of the credit portfolio by monitoring delinquent accounts including updating of the Collection Management Software (CMS).
• Assist with credit arrears follow-ups, i.e. calls, letters and/or field visits and updating CMS.
• Conducting field visits for new credit facilities and delinquent customers.

Reporting and Documentation:

• Prepare monthly/quarterly reports as required.
• Conduct exercises for Hardcore Overdrafts in accordance with SG5.
• Address Audit Findings for respective clients promptly.
• Generate weekly Loan Key Performance Indicator (KPI) Form and sales pipeline for review/discussion with Sales/Branch Manager.

Compliance:

• Ensure credit files are compliant as per checklist requirements and security documents are forwarded timely to CAD for safekeeping.

Marketing:

• Assist with Branch’s marketing activities and lead generation (referrals).

Essential Education and Experience

• Diploma in Banking/Finance or any related fields
• Three (3) years’ experience in banking (sales experience would be an asset)

Desirable Qualification

N/A

Knowledge/Skills and Abilities

• Knowledge of branch routine and operating procedures
• Knowledge of the bank’s operating system (Flexcube), Microsoft Excel and Word
• Knowledge of retail and commercial Products and Services, Product features, benefits and related pricing policies and procedures