Background

With over one hundred and thirty branches in Kenya, Tanzania, Uganda, and Burundi, some of which are 24/7 digital branches, DTB is committed to enabling people to advance with confidence and success. The Bank’s heritage and values are articulated in its brand promise, Achieve More, and brought to life through an engaged diverse workforce.

Role Purpose:

As the Bank continues to strengthen its credit risk management function and deepen its market presence, an exciting opportunity has arisen for a Senior Credit Analyst to join the team. This role offers the chance to contribute to the robust evaluation of asset quality, structure complex lending solutions, and mitigate credit risk exposures, while ensuring unwavering compliance with internal policies and regulatory standards.

The position also provides a platform to drive sustainable business growth by partnering with corporate lending teams, delivering accurate financial insights, and safeguarding the bank's capital portfolio, all within a dynamic and performance-driven environment.

Key Responsibilities:

Credit Risk Assessment

Assist management in making quality credit decisions by Undertaking credit assessment and evaluation of Customer Credit requests using, financial information, market information and all other available data in line with DTBK Credit policy, lending parameters and Credit appetite.

Review of credit proposals and recommendations to Management Credit Committee and Board Credit Committee for approval or otherwise.

Credit assessment of Customer’s credit applications in compliance to Bank’s credit policies and Regulator requirements.

Assist business growth in a sustainable and profitable manner by ensuring optimization of targeted profitability and compensation leveraging on risk-based pricing and fee models.

Review facilities renewal requests to assess whether they have been conducted within the set terms and conditions.

Liaising with Credit Analysts and Relationship Managers to ensure that credit proposals presented to MCC meet the required standards of underwriting and contribute positively to building a quality portfolio.

Evaluation of counter-party credit risks associated with the Bank’s Wholesale and Retail lending with the primary objective to grow Bank’s asset book within acceptable credit risk parameters.

Monitoring of covenants and Risk Triggers on the assigned portfolio and carrying out periodic reviews in order to make appropriate recommendations to management so as to improve and maintain a quality of the portfolio.

Undertake periodic Customer visits to support business growth opportunities in structuring deals

Closely liaise with Credit Monitoring & Control and Business Support Units to facilitate early reporting, intervention and turnaround of deteriorating exposures.

Regularly engage RMs for timely annual review of facilities and closure of control items and covenants.

Recommend best practices and Identify opportunities to improve processing efficiencies to enhance Customer experience and make the customer journey an exciting experience.

Credit Approvals

Contribute to a Quality and highly productive Loan Book portfolio. This includes recommendation of quality applications and strict adherence to Credit Policy and procedures, CBK Prudential Guidelines as well as industry best practices.

Maintain and improve on Turn-Around Timelines as recommended and as covenanted with Business Units.

Reviews

Take part in periodic Credit reviews, Policies and Procedures reviews, stress testing and deep-dive analysis.

Qualifications & Experience:

University degree in Finance, Economics, Business Administration, or a related field, providing a strong foundation in financial and analytical concepts

Master’s degree desired but not mandatory

Professional Accounting Qualifications i.e. ACCA, CPAK, CIFA an added advantage

Eight (8) years’ experience in banking, five (5) of which must be credit origination or assessment

Key Competencies

Demonstrates the ability to manage multiple and sometimes competing priorities effectively, while maintaining a strong focus on delivering high-quality results.

Able to work independently and manage both short-term deliverable and longer-term objectives in a dynamic work environment.

A logical and solution-oriented thinker with a practical approach to problem-solving and delivering outcomes.

Strong numerical and analytical skills, with the ability to work accurately with detailed and fast-changing financial data.

Clear and professional communication skills, with a good command of both spoken and written English.

Proficient in digital workplace applications, with the ability to prepare clear, well-structured reports and presentations

• Assist management in making quality credit decisions by Undertaking credit assessment and evaluation of Customer Credit requests using, financial information, market information and all other available data in line with DTBK Credit policy, lending parameters and Credit appetite.
• Review of credit proposals and recommendations to Management Credit Committee and Board Credit Committee for approval or otherwise.
• Credit assessment of Customer’s credit applications in compliance to Bank’s credit policies and Regulator requirements.
• Assist business growth in a sustainable and profitable manner by ensuring optimization of targeted profitability and compensation leveraging on risk-based pricing and fee models.
• Review facilities renewal requests to assess whether they have been conducted within the set terms and conditions.
• Liaising with Credit Analysts and Relationship Managers to ensure that credit proposals presented to MCC meet the required standards of underwriting and contribute positively to building a quality portfolio.
• Evaluation of counter-party credit risks associated with the Bank’s Wholesale and Retail lending with the primary objective to grow Bank’s asset book within acceptable credit risk parameters.
• Monitoring of covenants and Risk Triggers on the assigned portfolio and carrying out periodic reviews in order to make appropriate recommendations to management so as to improve and maintain a quality of the portfolio.
• Undertake periodic Customer visits to support business growth opportunities in structuring deals
• Closely liaise with Credit Monitoring & Control and Business Support Units to facilitate early reporting, intervention and turnaround of deteriorating exposures.
• Regularly engage RMs for timely annual review of facilities and closure of control items and covenants.
• Recommend best practices and Identify opportunities to improve processing efficiencies to enhance Customer experience and make the customer journey an exciting experience.
• Contribute to a Quality and highly productive Loan Book portfolio. This includes recommendation of quality applications and strict adherence to Credit Policy and procedures, CBK Prudential Guidelines as well as industry best practices.
• Maintain and improve on Turn-Around Timelines as recommended and as covenanted with Business Units.
• Take part in periodic Credit reviews, Policies and Procedures reviews, stress testing and deep-dive analysis.

• Ability to manage multiple and sometimes competing priorities effectively.
• Ability to work independently and manage both short-term deliverable and longer-term objectives.
• Logical and solution-oriented thinking.
• Strong numerical and analytical skills.
• Clear and professional communication skills (spoken and written English).
• Proficiency in digital workplace applications.

• University degree in Finance, Economics, Business Administration, or a related field.
• Master’s degree (desired but not mandatory).
• Professional Accounting Qualifications i.e. ACCA, CPAK, CIFA (an added advantage).