Credit Bank is an established commercial bank and is rapidly
growing its branches so as to grow the network. To support our
growth strategy, we are looking for dynamic, proactive professionals with
strong credential and relevant work experience to fill the positions below:
1. Head of Credit
Ref: HRHOC/001/13
Reporting to the Managing Director, the incumbent will lead
Credit analysts and the credit administration team to assess, monitor and
control all credit related activities in the Bank and ensure compliance with
the Bank’s internal policies, industry and other regulations.
Main Duties:
·
Oversight and management of credit analysis/appraisal, credit
review and credit administration functions
·
Responsibility for evaluation of credit processes including
governance, loan origination, approvals, collections, collateral management,
provisioning and management of bad debt.
·
Accountable for credit compliance and credit policy and
procedures.
·
Continuous improvement of turnaround times of credit proposals.
·
Interaction with internal business teams to establish benchmarks
for service levels and quality standards.
·
Improvement of the quality of credit operations to cope
efficiently with business growth in line with the Bank’s strategy and goals.
·
Develop competences and skills in the departmental staff and
creating conducive environment that enables the bank retain quality staff
·
Performance Management in credit department by ensuring that
targets are met at set standards.
Minimum Qualifications and Experience
·
A Bachelors degree in a business related field from a recognized
university.
·
A minimum 8 years experience in a commercial bank with at least
4 years at a senior level in credit control and/or credit risk related
functions.
·
Hands on experience in credit management in a commercial bank
environment.
2. Credit Administration & Monitoring Officer
Ref: CADM/001/13
Reporting to the Head of Credit, the successful candidate will
be responsible for monitoring and ensuring that the credit portfolio is not
impaired.
Main Duties:
·
Pro-active monitoring of credit performance to ensure timely
repayment.
·
Monitoring compliance by the Relationship Team of the credit
approval conditions e.g. securities, insurance, valuations, covenants,
financial information, etc.
·
Reviewing loans and limits maintained in the system to ensure
they are booked as per the approval terms. i.e. amounts, interest rates and
repayment period, etc. and initiating corrective action where required;
·
Preparation of Credit Reports for daily, weekly and monthly
review of portfolio at risk.
·
Maintain an effective Early Warning reporting System of credit
impairments and taking corrective action.
·
Able to evaluate risk, monitor and ensure that loan recovery is
carried out timely and in an efficient manner.
·
Liaising with the bank’s Legal Department and outside debt
recovery agents to ensure timely action where default is identified.
·
Propose and implement work up procedures for impaired loans.
·
Management of the NPA portfolio.
Minimum Qualifications and Experience
·
Holder of Bachelors degree in a business related field. Credit
management qualifications will be added advantage
·
5 years banking experience, 3 of which should be in Credit
Administration or Credit Management.
·
Must be self-driven; possess excellent communication and interpersonal
skills, strong organization and negotiation skills.
·
Creative, ambitious, self-driven and results-oriented with an
understanding of performance driven business.
3. Credit Analyst
Ref: CA/001/13
Reporting to the Credit Manager, the job holder will be
responsible for undertaking credit appraisals in order to ensure a profitable
line of business and a quality loan book.
Main Duties:
·
Authenticate documentation presented for all credit applications
and ensure they meet the KYC requirements and any other requirements as
required by the Bank and by the regulators.
·
Appraise and make recommendations on credit proposals.
·
Ensure compliance with the Bank’s Credit Policy, procedures and
Service Level Agreements.
·
Continuously monitor and proactively manage risk/exposure for
assigned portfolio.
·
Ensure all post approval activities, including conditions
precedent to disbursement are complied with.
·
Prepare management reports and statutory returns.
·
Participate in credit product reviews and development.
·
Manage customer and stakeholder relations in accordance with
agreed Service Level Agreements.
Minimum Qualifications and Experience
·
A degree in Commerce, Statistics, Business Management or
Marketing.
·
Professional banking qualifications will be added advantage.
·
At least 4 years working experience in credit analysis and
administration.
·
Excellent skills in analysis of Credit and Financial statements.
·
Good report writing and presentation skills.
·
Excellent communication, interpersonal, organizational, and
negotiation skills.
·
Ability to work independently, consult and clarify where
necessary and make informed and firm decisions
If you believe that you have the required qualifications and
experience to fill in the above position, kindly send your detailed resume
together with a cover letter clearly indicating the Ref number to reach the
undersigned by 14th March 2013;
Head of Human Resources,
Credit Bank Limited,
P.O. Box 61064-00200,
Credit Bank Limited,
P.O. Box 61064-00200,
Nairobi
or career@creditbankltd.co.ke
Only short listed candidates will be contacted.