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Credit Analyst Job in Kenya

The genesis of Gulf African Bank (GAB) can be traced back to 2005, when a group of motivated Kenyans envisioned establishing an Islamic bank as an alternative to conventional banking in the country.

Job Purpose
  • • The role of SME Analyst is to assist Relationship Managers SME’s, to manage a highquality portfolio of SME clients in a manner that complies with the Bank’s policies (both Shariah and other).• Preparation of credit proposal Receive all the information and documentation required for a proposal from the Senior RMs and RMs to analyze the proposal, follow up with clients on outstanding items
• Assist Senior Relationship Managers and Relationship
• Managers review/confirm the submitted information and documentation through site visits and subsequent follow-up meetings/conversations—for adequacy, completeness, and compliance with all Bank requirements.
• Prepare a draft of the credit proposal for review by Sector RMs and SRMCommodities and General Trade
• Finalize the credit proposal by incorporating comments from Sector RMs and SRMCommodities and General Trade Credit decision
• Assist Sector Relationship Managers and Senior Relationship Manager-SME Hub gather further information required to respond to questions from the Credit Committee
• Ensure fulfillment of all conditions precedent to facility disbursement, and ensure that all the relevant documentation is in place Portfolio management and collection
• Conduct consistent monitoring to prevent defaults on client’s payment, alterations in the client’s business, and to be aware of forthcoming client’s financial needs
• In the event of non-payment of a facility installment, ensure that the Sector RM or Senior RM-SME Hub contacts the client immediately (meeting him/her in person if required), and, if not resolved, assist them in subsequent actions to recover credit in arrears according Bank procedures.

Functional Competencies

Credit skills
  • • Ability to prepare financing proposals• Ability to analyze balance sheet and profit & Loss statements
• Ability to do cash flow analysis,
• Knowledge of business segments and economic/industry sectors and risks relating to the segments
• Knowledge of relevant Shariah policies/ processes
• Detailed knowledge of relevant Bank policies, e.g. Credit, KYC, AML
• Thorough knowledge of relevant Shariah policies and processes

Business development skills
  • • A good understanding of the target market and growth opportunities• Thorough knowledge of the Bank’s products and services
• Ability to negotiate and close deals
• Ability to cross sell products of the Bank and maximize on revenues from a customer
• Ability to monitor targets, use relevant information from dashboard to identify areas to focus on.
• Ability to identify what competition is doing and recommend improvements in Bank’s products/services

Qualification and Experience
  • • Business graduate from an accredited university preferably with a major in Finance, Marketing and/or Economics. Professional qualification such as CPA, CFA will be an added advantage.• Proven experience of at least two (2) years in a similar position, with hands on experience in managing a portfolio of clients and analyzing corporate proposals.

How to Apply

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