Date: 2 Nov 2026
Location: Port-of-Spain, POS, TT
Company: First Citizens Bank Ltd.
Applicants are hereby invited to apply for the position of Business Relationship Officer (Non-Management Grade 7) within the Park Street Branch
Applications are to be submitted on or before November 06, 2026.
JOB SUMMARY
The incumbent will be responsible for cultivating and satisfying the banking needs of the small and medium enterprise (SME) customers in the achievement of their financial goals. Additionally, they will expand the portfolio of accounts, which also includes a broad range of SME lending facilities and deposit accounts, to generate new business. He/She will also cultivate and nurture relationships with the director and shareholders of the SMEs and will identify opportunities for wealth management services tailored to the business and directors/shareholders’ needs.
KEY DUTIES AND RESPONSIBILITIES
- Responds to Audit exceptions to bring closure ensuring investigation and accurate documentation and referring as necessary to the appropriate authority.
- Provides end-to-end services during the sales function such as site visits and opening accounts for both existing and prospective SMEs and /directors'/shareholders' related to the SME business.
- Performs non-cash Teller Posting, Balancing and File Maintenance functions as required.
- Assists with the preparation, processing, recording and balancing of Bonds and Guarantees.
- Completes special projects and other related activities as assigned by the Manager.
- Performs daily the role of joint custodian for vault keys, combinations and Treasury, as required.
- Creates new business opportunities by conducting interviews for directors and shareholders (related to the SME businesses) and SMEs at various locations, to increase market share and achieve assigned targets.
- Responds to customers' requests, enquiries, incoming and outgoing calls, both local and foreign, in a courteous and timely manner consistent with operating standards and escalation to Manager where necessary.
- Reviews daily the Overdraft Management report and follows up with customers to ensure regularization of overdrawn chequing accounts.
- Liaises and follows up with customers to ensure regularization of delinquent accounts and exceptions which also includes taking the necessary action for recovery where applicable.
- Increase business through the review of a portfolio of SME customers ensuring the accurate assessment of any associated risks.
- Identifies opportunities for wealth management and electronic services tailored to the business and directors/shareholders' needs and transition to the relevant departments.
- Interviews customers for credit facilities which also includes conducting credit enquiries via various media, performing credit scoring, while ensuring that supporting documentary requirements are met, etc.
- Act as a financial advisor registered with TTSE for First Citizens Investment Services (FCIS) mutual funds.
- Performs the role of Branch Lock-Up Officer and Express Service Associate lock-up as required.
- Ensures the perfection of security items as well as follow up to ensure completeness.
- Performs detailed financial analyses on new SME credit applications and annual reviews and prepares written credit proposals.
QUALIFICATIONS AND EXPERIENCE
- Associate Degree with six (6) years core financial analysis experience, of which two (2) years must be at supervisory level
- Strong supervisory, conflict resolution and team building skills
- Strong oral and written communication, time management and presentation skills
- Strong interpersonal, marketing, cross-selling and interviewing skills
- Ability to read,analyze, interpret and use complex/financial documents and forms
- Proficiency in Microsoft Office Suite
- Professional Deportment
- Knowledge of the Group's Operating Software Systems, Products and services