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...

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Senior Credit Analyst

Job TypeFull Time

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

Experience8 years

LocationNairobi

Job FieldFinance / Accounting / Audit

Job Description

Evaluate and decision credit proposals (new, renewals, one offs, amendments) received from Corporate, Mortgage business units in line with specific credit guidelines as set within existing KCB Credit policy/manual/product documents, CBK Prudential guidelines, understanding of market, industry, economic factors, financial statements and recommending those beyond DLA for consideration while ensuring compliance with set TAT, SLAs and quality standards.

Verify and analyze credit information, documentation such as bank statements, financials, provided by RMs/Customers, and seek clarification if needed from other sources, liaise with RMs/Branches for queries, additional information/documents and business recommendations for deviations, if needed.

Support creation and update of new and existing credit processes, policy, manuals and product standards as relates to Corporate and Mortgage business.

Visit clients/centers/branches, independently or with RMs/Manager as part of the evaluation of credit proposals for better understanding of the client, business, and market.

Attend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Corporate and Mortgage Credit Unit.

Monitor Corporate and Mortgage portfolios for renewals, limits expiry, early vintage performance, migration, PAR.

Preparation of industrial reports/peer analysis papers on a variety of business, operational and financial indicators guided by respective industry reviews and industry information such as credit reports, press, magazines and other relevant sources.

POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

Education Bachelors Degree Business related RQ

Professional Qualifications ACIB, CPA(K) AA

Masters Degree Business Administration AA

Experience

Total Minimum No of Years Experience Required

8 years

Detail Minimum No of Years Need Type[1]

Credit Analysis 8 ES

Risk Management 5 DE

General Banking 3 ES

Debt Recovery 3 DE

Managing Teams 3 ES

• Evaluate and decision credit proposals (new, renewals, one offs, amendments) received from Corporate, Mortgage business units in line with specific credit guidelines as set within existing KCB Credit policy/manual/product documents, CBK Prudential guidelines, understanding of market, industry, economic factors, financial statements and recommending those beyond DLA for consideration while ensuring compliance with set TAT, SLAs and quality standards.
• Verify and analyze credit information, documentation such as bank statements, financials, provided by RMs/Customers, and seek clarification if needed from other sources, liaise with RMs/Branches for queries, additional information/documents and business recommendations for deviations, if needed.
• Support creation and update of new and existing credit processes, policy, manuals and product standards as relates to Corporate and Mortgage business.
• Visit clients/centers/branches, independently or with RMs/Manager as part of the evaluation of credit proposals for better understanding of the client, business, and market.
• Attend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Corporate and Mortgage Credit Unit.
• Monitor Corporate and Mortgage portfolios for renewals, limits expiry, early vintage performance, migration, PAR.
• Preparation of industrial reports/peer analysis papers on a variety of business, operational and financial indicators guided by respective industry reviews and industry information such as credit reports, press, magazines and other relevant sources.

• Bachelors Degree in a Business-related field
• Professional Qualifications: ACIB, CPA(K)
• Masters Degree in Business Administration