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Credit Bank Jobs in Kenya

Credit Bank is an established commercial bank and is rapidly expanding its network. 

The Bank is keen on strengthening its business development and credit units in Kenya. 

We seek to recruit highly competent, focused, self-driven and motivated employees with strong credential and relevant work experience to fill the positions below.

Credit Administration & Monitoring Officers (Head Office)
Ref: HRCO/002/2015
 
Reporting to the Chief Manager Credit, the successful candidate will be responsible for monitoring and ensuring that the credit portfolio is not impaired.

Key Responsibilities
  • Pro-active monitoring of credit performance to ensure timely repayment.
  • Monitoring compliance by the Relationship Team of the credit approval conditions e.g. securities, insurance, valuations, covenants, financial information, etc.
  • Reviewing loans and limits maintained in the system to ensure they are booked as per the approval terms. i.e. amounts, interest rates and repayment period, etc. and initiating corrective action where required;
  • Preparation of Credit Reports for daily, weekly and monthly review of portfolio at risk.
  • Maintain an effective Early Warning reporting System of credit impairments and taking corrective action.
  • Able to evaluate risk, monitor and ensure that loan recovery is carried out timely and in an efficient manner.
  • Liaising with the bank’s Legal Department and outside debt recovery agents to ensure timely action where default is identified.
  • Propose and implement work up procedures for impaired loans.
  • Management of the NPA portfolio.
Minimum Qualifications and Experience
  • Holder of Bachelors degree in a business related field. Credit management qualifications will be added advantage
  • 3 years banking experience, 2 of which should be in Credit Administration or Credit Management.
  • Must be self-driven; possess excellent communication and interpersonal skills, strong organization and negotiation skills.
  • Creative, ambitious, self-driven and results-oriented with an understanding of performance driven business.

Branch Credit Officers
Ref: HRC0/001/2015
 
Reporting to the Branch Manager, the incumbents will manage the credit function of the branch efficiently and effectively in order to ensure that it is a profitable line of business and that the organization is not exposed to risks.

Key Responsibilities:
  • Market and grow the credit portfolio
  • Process loan application from customers
  • Monitor the performance of the loan portfolio
  • Ensure proper credit administration and loan recovery..
Minimum qualification and experience required:
  • Bachelors degree in commerce / finance or related field
  • Professional qualification such as diploma in cooperative management, diploma in micro credit, CPA is a plus
  • Must currently hold a similar position with minimum 2 years relevant work experience
  • Must be able to understand and implement credit processes
  • Must be customer-service oriented

Relationship Officers
Ref: HRRO/001/2015
 
Reporting to the Head of Sales, the incumbents will grow the business by recruiting and retaining customers while maximizing returns through cross selling and high standards of customer service.
 

Key Responsibilities
  • Proactively market and generate business through client recruitment, training, deposit mobilization and disbursement.
  • Undertake regular calls and visits to customers to ensure effective relationship management.
  • Maintain up to date records of all customer visits for all customer segments.
  • Cross sell all products and services to both existing and potential clients.
  • Actively take part in business growth initiatives including marketing activities, new business sign ups, new partnerships etc.
  • Prepare credit appraisals and present to the Branch Credit Committee meetings.
  • Address all customer queries within stipulated Service Level Agreements (SLAs).
  • Monitor the portfolio quality on daily basis and proactively institute remedial actions.
  • Maintain sound relationships with clients, partners, and institutions with MOUs including the general public
Minimum Qualification & Experience Required:
  • University Degree preferably in a business related field.
  • At least 3 years’ experience in Banking with exposure to some or all of the following functions: Sales (Personal / Business / Retail), Relationship Management, Treasury and Customer Service.
  • Experience in Credit analysis and Administration will be an advantage.
  • Good interpersonal, presentation, problem solving, and communication skills
  • Ability to build strong networks.
  • Excellent analytical, planning, organization and execution skills.

Relationship Managers
Ref. HRRM/001/2015
 
Reporting to the Head of Sales, the incumbent will manage and sustain a portfolio of both Asset and Liability Customers, building long term relationships founded on efficient and reliable support for their business.

S/he will also execute integrated sales, relationship, and credit strategies that are aligned with the banking business plan to achieve desired revenue and service hurdles.


 
Key Responsibilities:
 
1. Sales:
  • Proactively source, grow, own and support team’s portfolio profitability by identifying new and existing customer potential in the commercial space, including sales opportunities and new product promotion initiatives.
  • Achieve personal production goals by expanding existing relationships and acquiring new business through referrals from existing clients, while utilising effective calling techniques and leveraging banks products and services.
  • Make call visits focused on generating business from prospective clients. Follow up with solid, on-time proposals and close sales with efficiency and efficacy.
  • Probe within customer base for needs and opportunities to cross-sell to other business segments Establish credibility and overall profitability for the Bank and the Client by the skilful application of specialist knowledge to deal with diverse client environments and provide qualified leads to relevant areas within the bank, e.g. Treasury and Trade Finance
  • Fully accountable for the relationship with the client, which incorporates integrating and co-ordinating all contact between the Bank and the client.
  • Formulate business development strategies and objectives to meet changing market needs including where necessary strengthening cross border relationships with clients operating in more than one country.
  • Proactively research competitive threats/opportunities within the team’s market and geographical area
  • Monitor and ensure adherence to risk service standards.
  • Ensure compliance from a KYC and AML standpoint to minimise reputation risk on the part of the bank.
2. Service:
  • Maintain customer advocacy and client retention by providing exceptional customer service in every customer transaction.
  • Resolve customer complaints/issues promptly and effectively.
  • Communicate all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points and new product changes.
  • Interface with counterparts in different segments (e.g. consumer banking, trade services, treasury) to ensure ongoing communication with regard to existing and future customer needs.
  • Pipeline tracking and monitoring.
  • Adhere to operational controls, including legal, corporate, and regulatory procedures to ensure the safety and security of customer and bank assets.
Minimum Qualification & Experience Required:
  • Degree in any business related subject
  • Have at least 3 years’ experience in relationship and/or client management
  • Strong selling and negotiation skills
  • Strong presentation skills
  • Self-driven individual requiring little or minimal supervision
  • Exceptional relationship skills
  • Credit risk skills
  • Communication skills
  • Team working
  • Ambitious and committed to customer service and excellence
  • Detailed knowledge and understanding of relevant legislation e.g. KYC, Anti-Money Laundering, banking code, service standards etc.
How to Apply

If you believe that you have the required qualifications and experience to fill in the above positions, kindly send your detailed resume together with a cover letter clearly indicating the Ref number to reach the undersigned by 30th April 2015

Head of Human Resources
Credit Bank Limited,
P.O. Box 61064-00200,
Nairobi

OR 

eMail career@creditbankltd.co.ke

Only short listed candidates will be contacted.

Credit Bank Limited is an equal opportunity employer. 

Applications are welcomed from all suitably qualified Kenyan Nationals irrespective of age, gender, race or disability. 


All applications will be treated on merit basis through fair and open competition.

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