JOB PURPOSE

The Credit Analyst will be responsible for independently assessing credit risk and serving as a proactive risk assessor in line with the SACCO’s credit policy, risk appetite, and regulatory requirements for all loan applications prior to processing and approval.

MAIN RESPONSIBILITIES OF THE JOB

• Independently assess credit risk and evaluate the financial performance of borrowers through income analysis, cash flows, debt obligations, guarantor strength, and collateral adequacy.
• Apply quantitative and qualitative risk factors to determine appropriate risk ratings for loan applications and portfolios.
• Prepare clear and comprehensive credit appraisal and risk review reports with recommendations for approval, decline, restructuring, or deferment.
• Act as a mandatory independent risk gate for all loan applications prior to approval and processing.
• Identify early warning indicators, policy breaches, concentration risks, and emerging credit risks, and recommend appropriate mitigants.
• Escalate policy exceptions, high-risk exposures, restructures, repeat top-ups, and large facilities to the appropriate approval authority
• Conduct independent risk reviews and provide expert feedback during the structuring of credit facilities.
• Present credit risk opinions, residual risks, and recommendations to the management to support informed decision-making.
• Monitor and report on credit limits, borrower exposures, sector concentrations, and portfolio performance trends.
• Contribute to periodic credit risk and portfolio reports through timely and accurate data submission.
• Contribute to the development and review of credit risk management policies, procedures, and underwriting standards.
• Ensure accurate capture and maintenance of credit data within the core banking and credit management systems.
• Train new loan processing assistants to equip them with knowledge and skills to effectively perform their roles.
• Any other duty that may be assigned by the Management from time to time

KNOWLEDGE, SKILLS AND EXPERIENCE

Minimum level of academic qualifications required for the role:

• A Bachelor’s degree in Finance, Economics, Accounting, Business Administration, or a related field.
• Successful candidates will be required to meet the requirements of Chapter 6 of the constitution of Kenya by obtaining the necessary documentation.

Minimum level of professional qualification required for the role:

• Must have a Professional certification in CCP (Certified Credit professional)
• A professional qualification in risk related certifications/CPA K/ACCA
• A registered member of ICPAK or relevant professional body

Minimum number of years of experience required

• Experience Credit Analysis in regulated financial institutions.
• At least 3 years’ experience in credit management

• Independently assess credit risk and evaluate the financial performance of borrowers through income analysis, cash flows, debt obligations, guarantor strength, and collateral adequacy.
• Apply quantitative and qualitative risk factors to determine appropriate risk ratings for loan applications and portfolios.
• Prepare clear and comprehensive credit appraisal and risk review reports with recommendations for approval, decline, restructuring, or deferment.
• Act as a mandatory independent risk gate for all loan applications prior to approval and processing.
• Identify early warning indicators, policy breaches, concentration risks, and emerging credit risks, and recommend appropriate mitigants.
• Escalate policy exceptions, high-risk exposures, restructures, repeat top-ups, and large facilities to the appropriate approval authority
• Conduct independent risk reviews and provide expert feedback during the structuring of credit facilities.
• Present credit risk opinions, residual risks, and recommendations to the management to support informed decision-making.
• Monitor and report on credit limits, borrower exposures, sector concentrations, and portfolio performance trends.
• Contribute to periodic credit risk and portfolio reports through timely and accurate data submission.
• Contribute to the development and review of credit risk management policies, procedures, and underwriting standards.
• Ensure accurate capture and maintenance of credit data within the core banking and credit management systems.
• Train new loan processing assistants to equip them with knowledge and skills to effectively perform their roles.
• Any other duty that may be assigned by the Management from time to time

• Credit Analysis
• Risk Assessment
• Financial Performance Evaluation
• Income Analysis
• Cash Flow Analysis
• Debt Obligation Evaluation
• Guarantor Strength Assessment
• Collateral Adequacy Assessment
• Quantitative Risk Analysis
• Qualitative Risk Analysis
• Credit Reporting
• Risk Management
• Policy Interpretation
• Data Management
• Training

• Bachelor’s degree in Finance, Economics, Accounting, Business Administration, or a related field.
• Professional certification in CCP (Certified Credit professional)
• Professional qualification in risk related certifications/CPA K/ACCA
• Registered member of ICPAK or relevant professional body
• Must meet the requirements of Chapter 6 of the constitution of Kenya