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. 

Responsibilities or duties

• Evaluate and decision credit proposals (new, renewals, one offs, amendments) received from Retail 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 BMs/Customers, and seek clarification if needed from other sources, liaise with BMs/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 Retail business.
• Provide training/prompt guidance and support on all aspects of credit to all credit teams across branch network e.g. regional engagements, branch/customer visits.
• Provide input on development of new and reviewing of existing retail credit products, and credit appraisal tools e.g. Scorecards and Business Rules
• Maintain a healthy partnership with business units through effective communication and resolution of customer complaints.
• Attend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Retail Credit Unit.
• Support review of Retail portfolio through monitoring Early Vintage performance, Migration and PAR (NPL ratio) and recommend appropriate remedial actions e.g. limits review, scheme suspension etc.

Qualifications or requirements

• Education Bachelors Degree Any relevant area. RQ
• Professional Qualifications ACIB/AKIB, CPA(K)/ACCA AA
• Masters Degree Business Administration AA

Experience needed

• Total Minimum No of Years Experience Required 8 Years
• Detail Minimum No of Years Need Type[2]
• General Banking 8 ES
• Credit Analysis and lending (with DLA) 8 ES
• People management 5 ES
• Stakeholder Management 3 ES
• Credit Administration 3 DE
• Customer/ Relationship management 3 DE

• Evaluate and decision credit proposals (new, renewals, one offs, amendments) received from Retail 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 BMs/Customers, and seek clarification if needed from other sources, liaise with BMs/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 Retail business.
• Provide training/prompt guidance and support on all aspects of credit to all credit teams across branch network e.g. regional engagements, branch/customer visits.
• Provide input on development of new and reviewing of existing retail credit products, and credit appraisal tools e.g. Scorecards and Business Rules
• Maintain a healthy partnership with business units through effective communication and resolution of customer complaints.
• Attend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Retail Credit Unit.
• Support review of Retail portfolio through monitoring Early Vintage performance, Migration and PAR (NPL ratio) and recommend appropriate remedial actions e.g. limits review, scheme suspension etc.

• Bachelors Degree in any relevant area.
• Professional Qualifications: ACIB/AKIB, CPA(K)/ACCA
• Masters Degree in Business Administration