Senior Credit Analyst
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Industry Banking / Financial Services Founded 2016 Type Public Website https://ke.kcbbankgroup.com Address
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Key Responsibilities:
- Evaluate and decision credit proposals (new, renewals, one offs, amendments) received from Retail business units in line with specific credit guidelines as set within existing KCB Credit policy/manual/product documents, CBK Prudential guidelines, understanding of market, industry, economic factors, financial statements and recommending those beyond DLA for consideration while ensuring compliance with set TAT, SLAs and quality standards.
- Verify and analyze credit information, documentation such as bank statements, financials, provided by BMs/Customers, and seek clarification if needed from other sources, liaise with BMs/Branches for queries, additional information/documents and business recommendations for deviations, if needed.
- Support creation and update of new and existing credit processes, policy, manuals and product standards as relates to Retail business.
- Provide training/prompt guidance and support on all aspects of credit to all credit teams across branch network e.g. regional engagements, branch/customer visits.
- Provide input on development of new and reviewing of existing retail credit products, and credit appraisal tools e.g. Scorecards and Business Rules
- Maintain a healthy partnership with business units through effective communication and resolution of customer complaints.
- Attend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Retail Credit Unit.
- Support review of Retail portfolio through monitoring Early Vintage performance, Migration and PAR (NPL ratio) and recommend appropriate remedial actions e.g. limits review, scheme suspension etc.
POSITION QUALIFICATION REQUIREMENTS
Academic & Professional
- Education Bachelors Degree Any relevant area. RQ
- Professional Qualifications ACIB/AKIB, CPA(K)/ACCA AA
- Masters Degree Business Administration AA
Experience
- Total Minimum No of Years Experience Required 8 Years
Detail Minimum No of Years Need Type[2]
- General Banking 8 ES
- Credit Analysis and lending (with DLA) 8 ES
- People management 5 ES
- Stakeholder Management 3 ES
- Credit Administration 3 DE
- Customer/ Relationship management 3 DE