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Mid-level Accounting, finance, banking, insurance jobs in Kenya, Kenya

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Industry (Accounting, finance, banking, insurance, Mid-level)

Seniority (Accounting, finance, banking, insurance, Banking, microfinance, insurance)

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KCB Group

Banking + 2 more

Senior Credit Analyst

Job details

Contract Type

Description

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: Bachelor’s Degree in any relevant area (Required)
  • Professional Qualifications: ACIB/AKIB, CPA(K)/ACCA (Added Advantage)
  • Masters Degree: Business Administration (Added Advantage)

Experience

  • General Banking: 8 years (Essential)
  • Credit Analysis and lending (with DLA): 8 years (Essential)
  • People Management: 5 years (Essential)
  • Stakeholder Management: 3 years (Essential)
  • Credit Administration: 3 years (Desirable but not Essential)
  • Customer/Relationship Management: 3 years (Desirable but not Essential)

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