Corporate Credit Analyst
As a market leader, the
talent and passion of our people is critical to our success. Together, we share
a common set of values rooted in integrity, excellence and a strong team ethic.
We therefore provide you with a superior foundation for building a professional
career – a place for people to learn, to achieve and to grow. Here is one such
opportunity for you to explore.
The ideal candidate is one
who has been a top performer with a proven track record of accomplishments in
previous roles, who will be a key contributor in a high-energy growth
environment. The candidate’s work history should demonstrate ability to thrive
in a fast-paced environment, dealing with complex & ambiguous financial
situations.
Reporting to the Head –
Corporate Credit Risk Analysis Department, the role-holder will receive
proposals from business units, analyze the proposals and recommend as
appropriate for credit decisions. The role will also entail analyzing Banks and
financial institutions with whom the bank has dealing lines, Special Projects
and Co-operatives. The role holder will also be responsible for monitoring
portfolio for any signs of stress and initiate corrective measures.
The role
The successful jobholder will be expected to:
- Receive and analyze credit proposals from business
units and make a decision, thereafter advice the business unit of the
decisions same day.
- Recommend appropriate credit decisions to Credit
approvers for final decision.
- Escalate unusual issues or issues raising concern to
the Head – Corporate Credit Risk Analysis Department.
- Keep up to date records of all cases received,
analyzed and decisions by prompt update of tracker.
- Keep abreast with economic, industry and business
trends to facilitate quality analysis of credit applications.
- Document issues identified as causes of weak
appraisals from business units – both policy and procedure.
- Train business units credit staff on credit analysis
procedures
- Ensure all lending proposals are within the bank’s
credit policy & lending guidelines and escalate any exceptions
- Ensure any policy breaches are properly authorized
at the correct level.
- Monitoring assigned portfolio for any signs of
stress and initiate corrective measures.
- Highlight to Head – Corporate Credit Analysis
Department any necessary changes to the Bank’s credit policy and
procedures.
- Provide timely and clear responses to the various
business units as per the agreed SLAs.
- Maintain professional and technical knowledge by
attending and contributing to training programs, educational workshops,
reviewing professional publications, establishing personal networks,
participating in professional structures & studies.
- Strict adherence to all regulations, statutes,
standards, practices and all internal processes and procedures as
per the relevant manuals and comply with all relevant external
legislation and regulations with regard to Compliance requirements.
Qualifications, Skills
& Attributes
The successful jobholder
will be required to possess the following qualifications:-
- A university degree in a Business-Related field from
a recognized university with at least 3 years banking experience in a
credit related function.
- A thorough knowledge of the Bank’s credit policy and
lending guidelines with good understanding of related products and
services Plus Credit & Financial analytical skills.
- Ability to identify, analyze, condense and
articulate complicated ideas and findings briefly and
clearly.
- A good knowledge of business trends and the business
environment.
- A general awareness of the Bank’s vision and focus
especially in relation to Business Development & management of risks.
How to apply:
If you are confident that
you fit the role and person profile and you are keen to add value to your
career then please forward your application letter enclosing detailed
Curriculum Vitae to jobs@co-opbank.co.ke indicating the job
reference number CCA/CMD/2023 by 28th February, 2023.
We are an equal
opportunity employer.
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