Senior Credit Analyst
JOB PURPOSE.
The Senior Credit analyst
will support Head of Credit to plan, coordinate and control all lending
activities to minimize credit risks. To prepare independent analysis of credit
reviews and submit summary of analysis for credit review.
Key Responsibilities
- Analyze
credit propositions and recommend for approval
- Reviewing
the files for compliance of the approval conditions
- Weekly
analysis of loan-book performance and risk Loan-book migration analysis
- Develop
and track on a daily/weekly/monthly basis (as determined by Head of
Business the key performance indicators in all business segments)
- Conduct
Quality checks to ensure branches follow the bank’s credit policy, CBK
prudential guidelines and best practice in appraisal, approval, and
management of facilities.
- Generate
accurate management report on business performance to facilitated decision
making
- Work
with Business teams to roll out training on credit applications and
portfolio management
- Assess
temporary credit requests and recommend for approval
- Recommend
changes to lending policies in line with business dynamics
- Check
completeness of documents submitted by the Business segment credit analyst
and branch managers.
- Provide
coaching /guidance/training on aspects of credit including policy and
procedures, as may be required by branch staff and other staff involved
the credit granting process
- Immediately
inform the Branch/Relationship Officers/Head of segments of any document
missing (according to the credit checklist).
- Analyze
customer’s submitted documentation for existing state of operations.
- Regularly
analyze the risk profile of the bank’s loan portfolio by product, and by
segment.
- Assign
risk grades for each portfolio type following the guidelines in the bank’s
credit policy manual.
- Timely
approval of all credit applications
- Preparation
of various credit reports
- Review
of credit policy and updating it in line with changes in the lending
environment
- Review
of new and existing products as per bank’s guidelines
- Ensure
compliance with both internal and external regulatory requirements.
- Review
and ensure compliance of facilities approved conditions.
- Always
ensure compliance with Credit policies and procedures.
- Always
ensure compliance with set SLAs
Qualifications
- Holder
of bachelor’s degree in a business-related field.
- Minimum
3 years of experience in the same position
- Professional
banking qualifications will be added advantage
- Knowledge
of lending products and prudential guidelines.
- Ability
to lead teams and deliver business results.
- Must
be self-driven; possess excellent administrative, communication and
interpersonal skills, strong organization, and negotiation skills.
How to Apply
Interested candidates who
meet the criteria above are encouraged to send their application letters and
detailed CVs to: Email: recruitment@caritas-mfb.co.ke. Kindly indicate the
position title on the subject line when applying. Closing date for application
will be on 10th March 2023.
