Senior Credit Analyst
SMEP Microfinance Bank Limited is a
dynamic Christian based bank regulated by the Central Bank of Kenya.
We are inviting applications from
interested and suitably qualified candidates who are passionate about
transforming lives in the society, to fill the following positions:
He /she shall safeguard the
institution against loss by ensuring accuracy, completeness and credit
worthiness of all the proposals for loan facilities and recommend appropriate
risk mitigation mechanisms.
Responsibilities
·
Management of credit risks through
analysis and recommend approvals for facilities within the Institutions
tolerable risk levels
·
Ensure that the PAR of the portfolio
is within target
·
Performing quality assurance checks
on revenue assurance and system surveillance on loan modules
·
Ensure high turnaround time (TAT) for
Credit proposals
·
Ensure that all appraisal decisions
meet the agreed SLA
·
Ensure all disbursed consumer loans
are forwarded to employers for booking and payments are collected/remitted in
time
·
Co-ordinate efforts together with
Risk, Internal Audit, Credit Administration and Branches to ensure adherence to
the Bank’s Credit Policy and lending guidelines
·
Work closely with the Head of Credit
and Head of Risk & compliance to maintain appropriate credit risk
management culture
·
Review loan security margins as per
the existing market trends and advice the management on any necessary reviews.
·
Recommend policy reviews for customer
experience improvement and risk management improvement based on
experiences and industry trends
·
Monitor, on a continuous basis, all
transactions to ensure that unusual and suspicious transactions are reported to
the Money Laundering Reporting Officer (MLRO)
·
Implementing and enforcing the board
approved AML, KYC & CFT policy in as far as is applicable within credit
risk analysis
·
Performing quality assurance checks
on revenue assurance and system surveillance on loan modules and report
anomalies noted.
Qualifications
·
A minimum grade of C+ (plus) in KCSE
·
An undergraduate Bachelor’s degree in
a Business related field from a recognized institution.
·
Relevant professional training in
Credit management with advanced Knowledge on Credit risk assessment approaches
and models.
·
Qualifications in accounting or
Finance are an added advantage.
·
At least 5 years relevant experience
a reputable Financial institution, in appraising SME, Group and Individual
Micro loans
·
Proficiency in computers is
mandatory.
·
Ability to analyze and interpret
financial statements
·
Clear understanding of
microfinance/banking industry is an added advantage.
·
Good interpersonal &
communication skills with excellent customer service.
·
A team player with the drive to
improve performance.
·
Self-driven and possess the ability
to work with minimum supervision
·
Applicants must be committed to
Christian values with a passion to serve
·
Aged between 30 and 40 years
How to Apply
The full job profile is on the
website and qualified and interested candidates who meet the criteria should
download the “Job Application Form” at www.smep.co.ke/opportunities,
and send their filled applications to recruitment@smep.co.ke on or before Thursday, 30th November, 2017. Only shortlisted candidates will be
contacted.
Risk & Compliance Officer
SMEP Microfinance Bank Limited is a
dynamic Christian based bank regulated by the Central Bank of Kenya.
We are inviting applications from
interested and suitably qualified candidates who are passionate about
transforming lives in the society, to fill the following position:
Reporting to the Risk &
Compliance Manager, the job holder will be part of the team responsible for the
Bank’s overall enterprise risk management and compliance framework.
Responsibilities
·
Implementation of the Risk and
Compliance framework and Policies in the Bank.
·
Monitoring and tracking of Banks’
compliance to regulatory guidelines statutory requirements and internal
processes and procedures.
·
Identification and assessment of the
compliance risks associated with the bank’s current and proposed future
business activities, including new products, new business relationships and
processes
·
Continuous monitoring of compliance
with internal policies, procedures and guidelines by through regular and
comprehensive Risk and Control assessment and testing
·
Providing assurance of the bank’s
readiness in case of business interruption/disruption through regular reviews
of the unit BCP plans.
·
Responsible for monitoring compliance
and reporting for Anti Money Laundering and Counter Financing of Terrorism
·
Providing regular training of staff
to build on risk management and compliance awareness
·
Reviewing and providing advise on
corporate governance management
·
Regular reviewing of transactions to
ensure that high risk transactions are identified and appropriately approved.
Qualifications
·
Bachelors’ degree in Accountancy,
Finance or Business Administration.
·
Must have acquired professional
certification in Accountancy or Auditing
·
Post graduate degree will be an added
advantage
·
Proficiency in MS Office suite and
previous experience with T24 Banking system will be an added advantage.
·
At least 2 years experience in a
Compliance, Risk or Internal Audit role in a reputable Banking institution
·
Keen to detail and sharp analytical
skills
·
Excellent report writing skills
·
An excellent and proactive planner
with great organization skills
·
Flexible and willing to travel across
the country at short notice
·
Good interpersonal and communication
skills
·
Between 30 and 40 years of age
·
Applicants must be committed to
Christian values with a passion to serve
How to Apply
The full job profile is on the
website and qualified and interested candidates who meet the criteria should
download the “Job Application Form” at www.smep.co.ke/opportunities,
and send their filled applications to recruitment@smep.co.ke on or before
Thursday, 30th November, 2017.
Only shortlisted candidates will be contacted.
