Background information about the job or company

National Bank is a major player in Kenya’s banking industry. It is one of the largest banks in the country giving financial services to all sectors of the economy. The bank will continue to cover the financial landscape and respond positively to the needs of its customers, shareholders and the economy besides offering traditional financial services and pro...

Position Scope:

This position is responsible for driving sales within sector/unit within Islamic Banking through quality credit origination, analysis, customer management and portfolio monitoring in collaboration with Departmental Heads and Relationship Managers. Through interactions with customers, and as a key member of the team, provide feedback on customer needs and industry trends to always align corporate strategy in line with changing dynamics.

Responsibilities or duties

• Preparing quality credit applications.
• Financial analysis of corporate 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.
• Meeting Amanah clients 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.
• Facilitate and accelerate business relationship through exceptional customer service to Amanah customers. Includes active engagement with customers from onboarding to managing Customer Retention.
• Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises.
• Handle customer service requirements like query resolution.
• Effectively convert service recovery to sales opportunities and sustain client loyalty.
• 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.
• Gather competitive intelligence to determine what competitors are offering clients, product positioning and service offerings.
• Continuously track market trends and ensure up to date knowledge of market offerings to be able to provide advice on potential business threats/opportunities.
• Proactively manage risk and exposure for assigned portfolio continuously.
• Following up on due and pending facility repayments as stipulated in the credit approval and identified customer intelligence.
• Meeting clients’ requirements on need basis 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 borrowing customers both new to bank and existing customers.
• Ensure zero operational loss and effective complaint management.
• Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating.
• Identification of early warning signals for none performing accounts, tracking of early alert accounts and escalation to collections team where need arises.
• Any other duties as may be assigned by Management from time to time.

Qualifications or requirements

• Bachelors’ Degree from a recognized University.
• Master’s degree in a Business-related field from a recognized University is an added advantage
• 5-6 years of Commercial Banking experience, of which at least 3 years of credit analysis. Have appreciation and operating knowledge of the banking industry, market, trends as well as challenges.
• Demonstrable cross-cultural, people and relationship management skills, networking and negotiation skills, team motivation and leadership competence.
• Strong analytical skills.
• Strong knowledge of local Islamic banking market and vision about future direction and market sensitivities.
• Excellent interpersonal, communication and presentation skills
• Some knowledge of the Bank’s lending principles, policies and procedures
• Ability to prioritize, meet deadlines and work under pressure.
• Innovative and creative - ability to think creatively and develop innovative solutions.
• Ability to make operational and routine decisions in a timely and effective manner.
• Able to withstand operational challenges and maintain momentum.
• Manages emotions in a mature and composed manner as expected.

• Preparing quality credit applications.
• Financial analysis of corporate 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.
• Meeting Amanah clients 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.
• Facilitate and accelerate business relationship through exceptional customer service to Amanah customers. Includes active engagement with customers from onboarding to managing Customer Retention.
• Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises.
• Handle customer service requirements like query resolution.
• Effectively convert service recovery to sales opportunities and sustain client loyalty.
• 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.
• Gather competitive intelligence to determine what competitors are offering clients, product positioning and service offerings.
• Continuously track market trends and ensure up to date knowledge of market offerings to be able to provide advice on potential business threats/opportunities.
• Proactively manage risk and exposure for assigned portfolio continuously.
• Following up on due and pending facility repayments as stipulated in the credit approval and identified customer intelligence.
• Meeting clients’ requirements on need basis 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 borrowing customers both new to bank and existing customers.
• Ensure zero operational loss and effective complaint management.
• Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating.
• Identification of early warning signals for none performing accounts, tracking of early alert accounts and escalation to collections team where need arises.
• Any other duties as may be assigned by Management from time to time.

• Demonstrable cross-cultural, people and relationship management skills, networking and negotiation skills, team motivation and leadership competence.
• Strong analytical skills.
• Strong knowledge of local Islamic banking market and vision about future direction and market sensitivities.
• Excellent interpersonal, communication and presentation skills
• Some knowledge of the Bank’s lending principles, policies and procedures
• Ability to prioritize, meet deadlines and work under pressure.
• Innovative and creative - ability to think creatively and develop innovative solutions.
• Ability to make operational and routine decisions in a timely and effective manner.
• Able to withstand operational challenges and maintain momentum.
• Manages emotions in a mature and composed manner as expected.

• Bachelors’ Degree from a recognized University.
• Master’s degree in a Business-related field from a recognized University is an added advantage