Key Responsibilities
Credit Analysis
Preparing quality credit applications.
Spreading of financial statements, credit grading and raising appropriate concerns.
Financial analysis of SME/Business Banking customers using credit skills, ratio analysis; judgment of management and business strategy.
Verifying that securities provided are up to standard and forwarded for approval in line with the credit policy
Evaluation and understanding of risk associated with individual transactions, products and borrowers.
Conducting joint meeting with Relationship Managers/Unit head to meet Business Banking clientele when required to achieve clear understanding of their business with key focus on risk analysis.
Assist Relationship Manager to monitor credit quality by highlighting early warning signs of credit deterioration.
Ensure compliance with Bank’s policies and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level.
Preparation of industry analysis reports.
Annual Review and custodian of credit files
Enhancing Customer Relationship:
Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises.
Together with the RM, offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.
Portfolio Management/ Risk Management & Control:
Proactively manage risk and exposure for assigned portfolio continuously.
To ensure Compliance to quality of authenticated documentation and policy parameters.
Following up on due and pending facility repayments as stipulated in the credit approval and identified customer intelligence.
Management and Control of daily overdrawn and unfunded accounts, Cheque and payment referrals from the branches.
Meeting clients’ requirements while ensuring compliance with all regulations and controls as set by the Bank and external regulatory authorities.
Awareness of all the policies and procedures issued by the Bank and ensuring strict adherence.
Ensure KYC and AML compliance for all new to bank and existing customers.
Ensure zero operational loss and effective complaint management.
Report any suspicious transaction immediately to the supervisor
Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating.
Adherence to Standard Operating Procedures (SOP) and Ensuring Quality Service to customers.
Attending to daily overdue/excess report and Identification of early warning signals for non performing accounts, tracking of early alert accounts and escalation to collections team where need arises.
Responsible for maintaining and updating credit files mirror by ensuring all information is up to date and correctly filed.
Management of Post Approval procedures: managing security checklists by ensuring that each security item detailed in the checklist is followed up by the respective RM and lodged with Credit Administration to ensure seamless disbursement/booking of facilities
Key Performance indicators:
Quality Credit Origination, Monitoring and Control.
Annual Renewal of all credit files (zero exception).
Preparation of Credit files within stipulated timelines.
Preparation of pipeline reports within stipulated timelines.
Education
Bachelor’s Degree
Holders of Associate of the Kenya Institute of Bankers (AKIB) are encouraged to apply.
Training / Skills
Strong analytical and interpersonal skills
In depth knowledge of SME banking products and DIB strategy & policies.
Work Experience
3-4 years of SME Banking experience of which at least 2 years of credit analysis exposure is a must.
Competencies
Effective leadership, decision-making and team building skills
Ability to work in a cross-cultural environment
Team Player
Strong analytical and interpersonal skills
Strong knowledge of local SME & BUSINESS banking market and vision about future direction and market sensitivities
Ability to meet strict deadlines
