Job Purpose Statement

• The holder should be a credit professional responsible for ensuring that the Credit Risk function achieves its objectives of facilitating revenue generation, a quality loan portfolio, improving the credit risk control environment, and delivery of business enablers within Credit Risk. These shall involve:

Credit Risk Assessment

•  Assess/Analyze credit proposals and applications from Branches and the Retail Business Unit approving those within the delegated authority and submit the ones above delegated authority to the appropriate approval authority with support/necessary comments.
•  Ensure that credit proposals and applications submitted comply with the Credit Policy/CBK prudential guidelines, ensuring that breaches are identified, mitigated and approvals obtained at appropriate levels.
•  Evaluate and understand risks associated with individual transactions, products, securities, and borrowers including industries they operate within.
•  Provide a high level of service to the internal customer based on accuracy, responsiveness and turnaround time.
•  Provide periodic reports on loan book performance as requested.

Policy Development & Review and products review

•  Reviewing existing Retail Policies/ Procedures/ Templates/ Models & Product Programs to ensure consistency with agreed credit practices, including the CBK prudential guidelines.
•  Ensure a consistent approach in assessing RETAIL facilities by developing/ reviewing relevant risk assessment templates for use by the Business.

Portfolio Quality and provisions containment

•  Ensure that portfolio quality is maintained at the prescribed level by minimizing the risk of loss/bad debts through prudent lending practices and pro-active management of Early Warning Signs on accounts.
•  Interrogate the portfolio reports monthly on monthly basis ensuring they are within budgeted levels.
•  Obtain appropriate and timely MIS and interpret the same for the approval team
• decision making. This will include periodical reviews with RMs/ROs for purposes of unbanking/ securitizing or at worst classifying the accounts or down-grading where appropriate.

Cross Selling

•  Identify and exploit available opportunities that will translate to Business and revenue growth.
•  Provide leads to the Business to support balance sheet and revenue growth

Ideal Job Specifications
Academic:

•  A Bachelor’s degree in Business Management with a bias in Commerce, Accounting, Economics or Finance.
•  An MBA will be an added advantage.

Professional:

•  Professional accounting qualification i.e. CPA or ACCA
•  Qualifications in Credit Management and Analysis (those pursuing will be considered)

Desired work experience:

•  5 years banking experience with at least 5 years covering Credit Analysis and Credit sanctioning.
•  Knowledge of various Bank departmental functions i.e. Corporate, Asset Finance, Consumer/SME, IB, Business Remedial Support, Operations, Trade Finance, Treasury and Credit Operations (including Securities and Credit Administration).