Senior Credit Analyst

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)

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)