Position: Credit Analyst
Location: Nairobi
Job description
Analysis and approval of credit facilities to mitigate on
credit risk by ensuring compliance to laid down bank lending policies and
procedures.
Responsibilities
- Conduct
thorough analysis of financial statements and assessment of Corporate
credit requests, including new requests, changed requests, refinancing and
annual due diligence
- Present
analysis, findings, and recommendations to Management Credit Committee,
especially findings that involve a borrower’s ability to repay
- Develop
and prepare spreadsheets and models to support analysis of new and
existing corporate credit applications
- Ensuring
Credit Policies, Product Profiles and set timelines are adhered to in
analysis and approval of corporate credit facilities.
- Conduct
industry/sector studies with a view to updating policies and procedures
guiding lending to a specific corporate sector.
- Ensure
high audit rating is attained.
- Check
and verify the accuracy, completeness of the documents against the
checklist provide according to product lines; KYC/AML compliance
requirements.
- Presentation
of board level credit facilities to the Board Credit Committee for
approval.
- Assessing
and approving credit applications ensuring compliance with all Credit
policy and underwriting standards, Delegated Lending Authorities and
Service level agreements. The broad objective further entails support of
Corporate book growth within acceptable PAR tolerance levels to ensure the
book remains profitable while the bank becomes a market leader in this
segment
- Any
other official duty that may be allocated by management from time to time.
Qualifications
- Hold
a Bachelor’s Degree in Business, Accounts, Finance or related field.
- Professional
Credit or Accounting qualifications a plus.
- Have
a minimum of five (5) years practical experience with proven result oriented
track record in recoveries.
- Experience
in banking & legal background a plus.
- Personality:
A go-getter, good negotiator, enthusiastic, results oriented with
excellent communication and social skills. A forward planner with clear
focus, mature, reliable, hardworking and able to work without supervision.
- Sound
knowledge of the Bank’s policies and procedures
- Management
ability: Responsibility and ability to grow, support and develop talent
within the Credit Analysis Unit.
- Computer
skills: adept in use of Ms Word, Excel, Access, powerpoint, Internet and
email.
- Honest
and with high integrity
- Ability
to interpret Financials and make sound decisions out of it.
- Keen
to details.
- Innovative
and creative.
- Ability
to take personal initiative and work with minimal supervision
Position: Branch Manager
Location: Nairobi
Reporting to: Regional Manager- Retail Banking
Job Description
To lead the branch team and in particular drive and deliver
excellent business performance through powerful leadership of the Branch ensuring
optimum productivity, operation efficiency and outstanding customer service.
Responsibilities
SALES AND BUSINESS DEVELOPMENT
- Business
growth and development as per KPIs on BSC
- Assess
local market conditions identify current and prospective sales opportunities
and develop forecasts, financial objectives and business plans for the
branch
- Develop
and implement branch strategy and sales plans to ensure achievement of
branch targets
- Communicate
effectively with other branches and senior managers by sharing information
on effective practices competitive intelligence, business opportunities
and needs
- Address
customer and employee satisfaction issues promptly and promote a world
class customer service culture
CREDIT MANAGEMENT
- Cooperate
fully with the credit Department in extending and enforcing credit policy
- Credit
Risk monitoring and control of credit portfolio
- Ensure
credit management and credit operations at the branch is fully compliant
to the Bank Credit Policy and procedures
OPERATIONS AND CONTROL
- Ensure
proper due diligence on KYC is conducted on all customer accounts to
effectively manage AML/CFT risks at the branch level
- Ensure
total adherence to control and Risk Policies and procedures by all staff
in the branch
- Ensure
all audit issues are addressed promptly
- Operation
Risk Management and control
- Regularly
evaluate the effectiveness of the branch operations to ensure that
policies are being adhered to and that goals are being attained at all
times
- Ensure
the safekeeping of Branch assets including structures, equipment,
inventory and cash.
- Review
all branch reports and ensure action is taken for any exceptions
identified
- Financial
analysis i.e. ratios and other measurement tools to manage branch revenue,
operating costs and profitability.
TEAM MANAGEMENT
- Monitor
and evaluate the performance of all branch staff, prepare performance
appraisals and recommend and/or initiate corrective action where necessary
to improve performance and/or attaining established personal and
organizational goals
- In
collaboration with the HR Department, develop and implement a succession
planning program for the branch to facilitate continuity and availability
of required skills and competencies to meet the needs of the branch.
- Provide
leadership and guidance to the branch team through effective planning,
communication, training, mentoring and coaching.
- Effective
resource management and ensuring safety of staff at all times
- Ensure
achievement of the branch performance objectives.
- Leading
by example, ensure adherence to integrity and high ethical standards by
all staff in the branch
- Participate
actively in community business and industry organizations to build a
network of contracts that improve the presence and reputation of the
branch and bank in the local area
- Establish
and maintain a system that fosters a culture of teamwork, employee
empowerment and commitment to the department’s and the Bank’s goals.
- Any
other official duties that may be assigned to you from time to time by
management.
Qualifications
- Hold
a Bachelors degree in Commerce/Business, Accounts or related field.
- Professional
banking qualifications or CPA (K) qualifications is a plus.
- Have
a minimum of six (6) years’ experience in banking 2 of which must be at
branch management level in the banking sector with proven result track
record.
- AMC/CFT
training/knowledge.
- Understand
the Banking Act and Central Bank of Kenya (CBK) clearing procedures and
general laws related to Banking; high levels of professionalism and
professional development.
- Good
Knowledge of CBK Prudential Guidelines
- Management
and leadership ability: Have excellent interpersonal and people management
skills.
- Computer
skills: Adept in use of Ms Word, Excel, Access, power-point, Internet and
email.
- Personality:
results oriented with excellent communication and social skills. A forward
planner with clear focus, mature, reliable, hard working and able to work
without supervision.
- Honest
and with high integrity.
How to Apply
ALL applicants MUST apply online to the email; recruitment@familybank.co.ke;
closing date is 28th January 2020. Canvassing will
automatically disqualify the candidate. Only shortlisted candidates will be
contacted.
“We are an equal opportunity employer”