Job Purpose:

Analysis and approval of credit facilities to mitigate credit risk by ensuring compliance with laid down bank lending policies and procedures

Key Responsibilities:

• Assessing and approving facility applications within discretion limits, ensuring adherence to Policy and making recommendations to higher authority for facilities above personal discretion limit
• Analyse Credit Applications critically and make prompt & correct decisions as per the policies guided by CBK prudential guidelines.
• Ensure compliance with service standards as per SLA terms to support business growth and ensure efficient turnaround time (TAT) on facility approvals and in the event of delays, ensure appropriate escalation.
• Review the performance of the loan book.
• Conduct training for Consumer credit officers
• Providing leadership to Consumer credit staff in Head office
• Ensuring Maintenance of staff facilities in the Flexcube system; and amendments as required [Disbursement, Loan Amounts, Interest Rates, Tenor, and Security].
• Provide advice/coaching/guidance/training on all aspects of credit policy and procedures, as may be required by Credit team, Credit Unit Business teams and Branch Credit teams.
• Participate actively in system improvement/implementation process; giving user requirements and critique the system
• Guide all credit officers and managers on policy matters on day to day works.
• Handle queries relating to system issues [interest rates amendments, loan restructure in system].
• Preparation of facility letters, security/collateral documentation checklists, conditions checklists.
• Document and update procedures for the role on annual basis.
• Ensure full compliance to the bank’s lending policies and procedures and with compliance with the Central Bank’s prudential guidelines.
• Any other official duty that may be allocated from time to time.

The Person:

The ideal candidate must possess the following:

Qualifications/Experience:

• Hold a bachelor’s degree in business, Accounts, Finance or related field.
• Professional Credit or Accounting qualifications a plus.
• Have a minimum of three (3) years’ practical experience with proven result-oriented and a track record in recoveries.
• Experience in banking & legal background a plus

• Assessing and approving facility applications within discretion limits, ensuring adherence to Policy and making recommendations to higher authority for facilities above personal discretion limit
• Analyse Credit Applications critically and make prompt & correct decisions as per the policies guided by CBK prudential guidelines.
• Ensure compliance with service standards as per SLA terms to support business growth and ensure efficient turnaround time (TAT) on facility approvals and in the event of delays, ensure appropriate escalation.
• Review the performance of the loan book.
• Conduct training for Consumer credit officers
• Providing leadership to Consumer credit staff in Head office
• Ensuring Maintenance of staff facilities in the Flexcube system; and amendments as required [Disbursement, Loan Amounts, Interest Rates, Tenor, and Security].
• Provide advice/coaching/guidance/training on all aspects of credit policy and procedures, as may be required by Credit team, Credit Unit Business teams and Branch Credit teams.
• Participate actively in system improvement/implementation process; giving user requirements and critique the system
• Guide all credit officers and managers on policy matters on day to day works.
• Handle queries relating to system issues [interest rates amendments, loan restructure in system].
• Preparation of facility letters, security/collateral documentation checklists, conditions checklists.
• Document and update procedures for the role on annual basis.
• Ensure full compliance to the bank’s lending policies and procedures and with compliance with the Central Bank’s prudential guidelines.
• Any other official duty that may be allocated from time to time.

• Hold a bachelor’s degree in business, Accounts, Finance or related field.
• Professional Credit or Accounting qualifications a plus.
• Have a minimum of three (3) years’ practical experience with proven result-oriented and a track record in recoveries.
• Experience in banking & legal background a plus