Kenya Commercial Bank Limited is registered as a non-operating holding company which started operations as a licensed banking institution with effect from January 1, 2016. The holding company oversees KCB Kenya - incorporated with effect from January 1, 2016 - and all KCB's regional units in Uganda, Tanzania, Rwanda, Burundi, Ethiopia and South Sudan. It als...

Head, Business Origination

Job Type

Full Time

Qualification

BA/BSc/HND , MBA/MSc/MA , Professional Certificate

Experience

10 years

Location

Nairobi

Job Field

Banking

KEY RESPONSIBILITIES

To develop and lead the implementation of credit origination strategy in line with the overall Corporate Banking/ KCB Group strategy.

Evaluation of credit appetite including appropriateness of structure considering application, tenor, risk versus return relationship, and the evaluation of effectiveness of risk mitigants

Deliver well thought out decisions showing sound judgement where applications are within delegated sanctioning authority.

Analysis of credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal.

Identify and manage existing high-risk accounts and undertake the necessary corrective action when the risk profile threatens to become unacceptable.

In liaison with the credit administration unit and relationship managers, provide oversight of performance of facilities booked in Kenya from other KCB Group subsidiaries to ensure that they remain performing and in the good book.

Robust Covenant Monitoring to ensure that all approved covenants are tracked as per approval terms. Present applications to the relevant credit committee and/or delegated credit evaluators.

Responsible for the oversight and implementation and adoption within Corporate Credit, of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This entails the consideration and approval of customers including those that require being subjected to enhanced Due Diligence for on boarding and continued business.

Support the corporate business units to deliver world class service to our external customers. Assist relationship managers in negotiating term sheets with clients ensuring that the deal structure, conditions, and covenants conform to the overall credit requirements of the bank.

Champion the delivery of consistent, seamless, and trusted customer service to ensure customer retention and loyalty. Spearhead improvement of service delivery and query resolution including defining customer pain points and providing solutions in collaboration with other stake holders.

Academic & Professional Qualifications

Education

Bachelor’s Degree RQ

Professional Qualifications

Certificate in Commercial Credit RQ

CPA,ACCA,CFA, AKIB AA

Master’s Degree

Finance or a Business Related Field AA

Experience

Total Minimum No of Years’ Experience Required in the Financial Sector 10 Years

Detail Minimum No of Years[1] Need Type

Strategy development and implementation 6 ES

Commercial acumen 8

Sectors/Industry knowledge 8 ES

Credit Management 8 ES

Portfolio Management 8 ES

Banking Operations 6

Client experience – end to end 8

Financial Analysis & Performance Management 8 ES

Risk Management 8

Compliance 8

Leadership 6 ES

Project Management 4

• Develop and lead the implementation of credit origination strategy in line with the overall Corporate Banking/ KCB Group strategy.
• Evaluate credit appetite including appropriateness of structure considering application, tenor, risk versus return relationship, and the evaluation of effectiveness of risk mitigants.
• Deliver well thought out decisions showing sound judgement where applications are within delegated sanctioning authority.
• Analyze credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal.
• Identify and manage existing high-risk accounts and undertake the necessary corrective action when the risk profile threatens to become unacceptable.
• In liaison with the credit administration unit and relationship managers, provide oversight of performance of facilities booked in Kenya from other KCB Group subsidiaries to ensure that they remain performing and in the good book.
• Robust Covenant Monitoring to ensure that all approved covenants are tracked as per approval terms. Present applications to the relevant credit committee and/or delegated credit evaluators.
• Responsible for the oversight and implementation and adoption within Corporate Credit, of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This entails the consideration and approval of customers including those that require being subjected to enhanced Due Diligence for on boarding and continued business.
• Support the corporate business units to deliver world class service to our external customers. Assist relationship managers in negotiating term sheets with clients ensuring that the deal structure, conditions, and covenants conform to the overall credit requirements of the bank.
• Champion the delivery of consistent, seamless, and trusted customer service to ensure customer retention and loyalty. Spearhead improvement of service delivery and query resolution including defining customer pain points and providing solutions in collaboration with other stake holders.

• Bachelor’s Degree
• Certificate in Commercial Credit
• CPA, ACCA, CFA, AKIB
• Master’s Degree in Finance or a Business Related Field