Reports to: Manager Credit Analysis

Unit: Credit Analysis

Job Purpose Statement

To conduct detailed assessment of credit customers and ensure accuracy of financial and non-financial qualitative and quantitative information analysis in order to ensure the client credit worthiness & maintain CIB Kenya seniority, protection & control and efficiently monitor the customers' performance.

To support the credit risk assessment on assigned customers and monitor accounts on daily basis to ensure abidance to approved facility structures. Key Responsibilities Financial

Analyze monthly performance reports for direct and contingent facilities to come up with recommendations to the senior credit officer regarding utilization patterns.

Develop awareness of the bank's portfolio of products including Corporate Finance, investments, FX, retail, deposits

Present required data for the periodic achievement and performance reports as needed.

Customer

Respond to clients' day-today inquiries and requests and ensure clients' problems are addressed promptly and that they receive top quality service.

Review daily balance of all clients and recommend the appropriate transfers/bookings to cover overdrawn accounts based on understanding of the customer's facilities, limits, documentation.

Ensure close follow up of the latest development to be on the top of the relationship and always report any discovered negative outlooks.

Internal Business Process

Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.

Comply with all relevant CBK regulations, banking laws, AML regulations and internal CIB Kenya policies especially the Credit Policy guide and code of conduct in order to maintain ClB's sound legal position and mitigate any potential risks.

Ensure the timeliness and quality, accuracy and depth of the annual reviews/memos/site visits call memos presented and verify the data incorporated in such reviews.

Support workflow and IT enhancement projects to reduce the TAT and ensure smooth workflow.

Monitor non-performing accounts through past due reports, highlight problems if any and rectify them via the appropriate financing schemes.

Monitor all accounts on a daily basis through customers' position/balances reports.

Functional responsibilities

Perform the accurate spreading of audited financial models as well as projected figures in line with the historical account performance and in accordance with current and expected market changes to ensure that the presented scenario is logical, attainable, and defensible based on available market and peer analysis.

Preparing the write ups of base memos, annual updates and restructure memos covering the sections pertaining to the company's overview, financial statement analysis, main credit considerations, CBK & CPG requirements with strict adherence to Central Bank of Kenya {CBK) and Credit Policy Guide {CPG) rules of existing clients and new commitments in line with set turnaround time {TAT)

Develop strong knowledge and awareness of the assigned industries portfolio to ensure quality financial analysis and write ups.

Conduct periodical market research reflecting recent industry developments in order to depict any early warning signals that might trigger migration of Risk Rating (RR) in liaise with the Risk Group.

Support the manager to conduct and document regular visits to clients' offices/factories to assess the operation's cycles, assets, production process, inventory storage procedure etc, to be able to present coherent in-depth analysis.

Our Values

Customers First

Lead The Market

Agility

Integrity

Job Specification Academic

Bachelor Degree of Commerce, Business Administration, Economics, Accounting, or its equivalent.

Relevant professional qualification in Banking, accountancy, credit courses/ risk management

CPA{K) /KASNEB/ACCA

Desired Work Experience

At least 5 years work experience in a bank or financial services institution of which at least 3 years should have been in analysis/credit/Risk

Relevant professional qualifications in Banking, accountancy, credit/ risk management

Reporting Relationships: jobs that report to this position directly and indirectly Functional Reports Nil Administrative Reports Nil

Stakeholders: key stakeholders that the position holder will need to liaise/work with to be successful in this role.

Internal External Credit Risk Customers Credit Administration TransUnion/Metropol Credit Operations ICPAK Credit Collections Legal Business Development Audit and Compliance HR

IT

Ideal Job Competencies: Technical Competence

Analytical Thinking - Level 2

Customer Service Orientation - Level 2

Information Seeking - Level 2

Professional Standards - Level 1

Self-Control - Level 2

Work Completion - Level 1

Ideal Job Competencies:

Behavioral Competence

Excellent command of English language coupled with strong communication skills.

Product and policy knowledge of the bank and knowledge of services granted by each department and affiliates

Excellent computer and presentation skills.