Daraja Microfinance Bank
Credit Risk Analyst
Credit Risk Analyst
Reporting to: Credit
Manager.
The Credit Analyst is
responsible for gathering and analyzing credit information on current and
potential borrowers; determines the advisability of granting credit for
diversified types of loans; assists loan officers in writing loan requests;
promotes business for the Bank by maintaining good customer relations and
referring customers to appropriate staff for new services.
- Evaluating
Clients’ credit data and financial statements in order to determine the
degree of risk involved in lending money to them and enhance quality of
credit applications
- Preparing
reports on the degree of risk in lending money to clients and keeping
company credit exposures within set risk bearing limits
- Keeping
knowledge of key issues up-to-date (for example legal, market risk and
compliance issues)
- Evaluating the
financial status of clients by producing financial ratios and their
analysis and conferring with the credit associations and references to
exchange credit information on clients.
- To analyze loan
request summaries, records and using data to recommend payments plans for
loan applications before submitting the loan applications for approval.
Key Skills and Competencies
- Degree in
Business or related field
- Minimum of 2
years’ experience in lending and credit analysis
- Knowledge of
Central Bank of Kenya Regulatory Rules and Microfinance act
- Strong
analytical skills
- Proper and
organized documentation skills
- Attention to
detail
Other Requirements
- Certificate of
good conduct
- Clean credit
history
Qualified candidates should send their CV with a cover letter, contact details, 3 referees and expected remuneration tojobs@darajabank.co.ke clearly indicating the job title on the subject line.
Closing date for the applications will be 26th December, 2016.