Qualifications/Skills/Experience

The ideal candidate must possess the following qualifications and competencies:

• Bachelor’s degree in Finance, Accounting or Business related field
  
• Must have CPA Finalist, CCP or AKIB
  
• Must be a member of a professional body
  
• Masters in Finance, Accounting or Business related field
  
• Minimum ten (10) years’ experience in experience in a credit function within a bank, financial institution or other service oriented organization. 4 years at a Senior Management level with a focus on credit risk.
  
• Good understanding of credit processes, lending and customer care.
  
• Knowledge and understanding of the Banking Act and Central Bank of Kenya (CBK) clearing procedures and prudential guidelines.
  
• Must have demonstrated ability to handle departmental budgets, resources, processes, projects and relationships
  
• Should have thorough knowledge of the relevant industry/sector as well as knowledge of regulatory requirements affecting the relevant sector
  
• Must be capable of functioning effectively both as a team player and a team leader
  
• Must have ability to plan, organize, implement and evaluate departmental goals
  
• Must demonstrate ability to handle multiple and conflicting priorities, and work under strict deadlines.
  
• Should have strong analytical and be result oriented
  
• Must have high standards of integrity and ethical practice
  
• Must have management and Leadership skills
  
• Must have ability to accurately plan work assignments, prioritize tasks and deliver deadlines
  
• Should have problem solving and decision making abilities
  
• Should be an effective communicator with the ability to handle both internal and external communication
  
• Should demonstrate ability to identify and respond to risk areas within the department
  
• Should have effective people management and conflict resolution skills
  

• Formulating and implementing Greenland Fedha’s credit policy.
  
• Conducting regular reviews of the credit policy to ensure its relevance to business requirements and CBK and statutory regulations.
  
• Developing and implementing Greenland Fedha’s credit strategy.
  
• Providing credit forecasting and monitoring credit-related performance.
  
• Implementing credit risk assessment methodologies, including credit scoring models and credit vetting criteria and processes, and maintaining custodianship of all credit-related data.
  
• Providing objective assurance that major credit risk factors are being managed appropriately and internal credit controls are functioning effectively.
  
• Ensuring compliance with Greenland Fedha’s credit policies and procedures.
  
• Ensuring that customers’ financing needs for working capital and capital expenditure are being addressed appropriately and profitably through the offering of suitable credit products.
  
• Formulating and optimizing credit scoring strategies in various business areas.
  
• Managing credit risk through regular analysis and evaluation.
  
• Contributing to pricing structures for new products and reviewing and monitoring established pricing guidelines.
  
• Liaising with the Credit Reference Bureau on prospects/commitment clients and reporting underperforming loans to ensure non-migration of bad assets within the industry.
  
• Carrying out credit appraisals to vet all credit proposals from branches and other lines of business.
  
• Recommending and implementing recovery measures for non-performing or bad loans.
  
• Preparing management reports on loan trends and using analysis for future operational growth.