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
Academic & Professional
- Education Bachelors Degree Business related RQ
- Professional Qualifications ACIB, CPA(K) AA
- Masters Degree Business Administration AA
Experience
Total Minimum No of Years Experience Required
- 8 years
Detail Minimum No of Years Need Type[1]
- Credit Analysis
- Risk Management
- General Banking
- Debt Recovery
- Managing Teams