Posted: By:Hiring Kenya
Roles & Responsibilities
JOB PURPOSE:
To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions.
PRIMARY RESPONSIBILITIES:
Reviewing, analyzing, and assessing credit risk on credit proposals for both new and existing borrowers and making recommendations to the approving authorities.
Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
Ensuring applications meet turnaround time benchmarks.
Coordinate application movement process between branches and approving authorities.
Enforcing compliance with the bank's credit policies in daily operations.
Identifying and mitigating risks in the underwriting process and escalation these to team leader
Participate in Training frontline staff on the loan applications process
Guiding/advising branch staff, Relationship staff and DSEs on credit appraisal requirements for the credit products
Other duties as assigned from time to time
Academic Qualifications
Bachelor’s degree in business or a related field from a recognized Institution.
Professional Banking or Accountancy qualifications will be an added advantage
Experience and Core Competencies
At least 5 years’ experience, 1 of which should be in Retail Credit
Knowledge of Retail Banking products
Excellent communication and interpersonal skills
Advanced financial risk analysis skills
Credit risk management skills
Excellent problem solving and decision-making skills
