Job Purpose:

Lead a team of credit analysts towards achieving the Bank’s goals and objectives through efficient and compliant analyzing, recommending, approving, declining or returning for review credit facility applications.

Main Responsibilities:

• Evaluate and making decision on credit facility proposals within delegated lending limit (new, renewals, one offs, permanent, amendments, cancellations) received from Corporate and Retail business units in line with specific credit guidelines as set within existing BPR Credit policy/manual/product documents, BNR 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

• Assessment of credit files from the Recovery Unit
• Ensure compliance with bank credit policy, regulatory requirements and best practice in the appraisal process with a view to minimising credit risk
• Provide advice/guidance on all aspects of credit including policy and procedures, as may be required by credit analysts, branches and other staff involved in risk management
• Effectively handle business units’ complaints & queries on credit matters
• Provide training and coaching related to structuring of credit facilities and key documentation required to Credit Analysts, Personal Bankers, Business Bankers, Branch Managers, SME RMs and Corporate RMs on matters related to credit analysis for the purpose of enhancing the quality of the credit facility applications to make it bankable.
• Crosschecking the KCB Group Environmental & Social Due Diligence (ESDD) Checklist for manufacturing & agribusiness entities to be financed
• Prepare credit reports as may be required by the bank from time to time
• Attend to audit requirements and provide a response to internal, group and regulatory audit remarks
• Verify and analyze credit information, documentation such as bank statements, financials, provided by Business Bankers, Mortgage Advisors, 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 the creation and update of new and existing credit processes, policy, manuals and product standards as relates to Corporate, SMES and Retail 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

Educational qualifications and work experience:

• Bachelor’s degree in Bachelor of Business Admin.
• Professional qualification /Credit certification
• Five Years (5) minimum experience.