Senior Credit Analyst

Key Responsibilities

• 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.

POSITION QUALIFICATION REQUIREMENTS

• a. Academic & Professional
• Particulars Detail Specific Field or Qualification Need Type [1]
• Education Bachelors Degree Any relevant area. RQ
• Professional Qualifications ACIB/AKIB, CPA(K) /ACCA AA

Masters Degree Business Administration AA

• Experience

Total Minimum No of Years Experience Required

8

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

• [1] Need Types are : RQ = Required, AA = Added Advantage
• [2] Need Types are: ES = Essential, DE = Desirable but not Essential