Senior Credit Analyst

Senior Credit Analyst

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

Experience

• Total Minimum No of Years

• Experience

• Required

• 6 years

• Detail Minimum No of Years Need Type[1]

• Corporate Credit Analysis 6 ES

• Risk Management 5 DE

• General Banking/lending 3 ES

• Debt Recovery 3 DE

• Managing Teams 3 ES

• Academic & Professional

• Bachelors Degree

• Any relevant area RQ

• Professional Qualifications

• ACIB, CPA(K) AA

• Masters Degree Business Administration AA

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