{"id":3785861,"url":"https://alion.io/job/kcb-group-senior-credit-analyst-2","title":"Senior Credit Analyst","company":{"id":1904318,"name":"KCB Group","domain":"kcbgroup.com","url":"https://alion.io/company/kcbgroup","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Oracle","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Nairobi, Kenya"],"countries":["KE"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-11-05T00:00:00Z","employer_posted_date":null,"last_verified_at":"2026-11-05T00:00:00Z","board_verified":false,"closed_at":null,"days_open":9,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":9},"description":"Key Responsibilities\n\nEvaluate 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.\nVerify 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.\nSupport creation and update of new and existing credit processes, policy, manuals and product standards as relates to Retail business.\nProvide training/prompt guidance and support on all aspects of credit to all credit teams across branch network e.g. regional engagements, branch/customer visits.\nProvide input on development of new and reviewing of existing retail credit products, and credit appraisal tools e.g. Scorecards and Business Rules.\nMaintain a healthy partnership with business units through effective communication and resolution of customer complaints.\nAttend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Retail Credit Unit.\nSupport 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.\n\nPosition Qualification Requirements\n\nAcademic & Professional\n\nEducation: Bachelor’s Degree in any relevant area (Required)\nProfessional Qualifications: ACIB/AKIB, CPA(K)/ACCA (Added Advantage)\nMasters Degree: Business Administration (Added Advantage)\n\nExperience\n\nGeneral Banking: 8 years (Essential)\nCredit Analysis and lending (with DLA): 8 years (Essential)\nPeople Management: 5 years (Essential)\nStakeholder Management: 3 years (Essential)\nCredit Administration: 3 years (Desirable but not Essential)\nCustomer/Relationship Management: 3 years (Desirable but not Essential)\n Key Responsibilities\n\nEvaluate 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.\nVerify 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.\nSupport creation and update of new and existing credit processes, policy, manuals and product standards as relates to Retail business.\nProvide training/prompt guidance and support on all aspects of credit to all credit teams across branch network e.g. regional engagements, branch/customer visits.\nProvide input on development of new and reviewing of existing retail credit products, and credit appraisal tools e.g. Scorecards and Business Rules.\nMaintain a healthy partnership with business units through effective communication and resolution of customer complaints.\nAttend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Retail Credit Unit.\nSupport 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.\n\nPosition Qualification Requirements\n\nAcademic & Professional\n\nEducation: Bachelor’s Degree in any relevant area (Required)\nProfessional Qualifications: ACIB/AKIB, CPA(K)/ACCA (Added Advantage)\nMasters Degree: Business Administration (Added Advantage)\n\nExperience\n\nGeneral Banking: 8 years (Essential)\nCredit Analysis and lending (with DLA): 8 years (Essential)\nPeople Management: 5 years (Essential)\nStakeholder Management: 3 years (Essential)\nCredit Administration: 3 years (Desirable but not Essential)\nCustomer/Relationship Management: 3 years (Desirable but not Essential)","description_format":"text","description_chars":4472,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Commerce","Commercial & Retail Banks"],"lifecycle":[{"event":"open","at":"2026-11-05T03:31:40Z"}],"visa":[],"liveness":{"score":68,"band":"ok","label":"Likely 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