KEY RESPONSIBILITIES:

• Quality of market intelligence information to support credit analysis.
• Quality of credit reports for credit committee reviews
• Adequacy of personal competence to effectively perform Credit analysis tasks.
• Quality of credit portfolio information and credit portfolio maintenance
• Minimization of exposures to and impact of risks associated with KYC and AML.
• Consistency in adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment.

DAILY RESPONSIBILITIES: NOT MORE THAN 5 OF THE MOST TYPICAL

• Review of credit requests including review of financial and credit information provided in respect to the corporate clients.
• With the support of the Relationship Manager, prepare credit applications commensurate with credit policy for both facility renewals and onboarding of new facilities
• Be conversant with the KYC requirements. Undertake actions to ensure compliance. Exercise due care and diligence in ensuring all AML and KYC requirements are complied with
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports.
• Monitor and ensure that there are no excesses that are not approved for both assets and liability customers
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis a vis the bank’s credit portfolio.
• Proactive monitoring of the credit portfolio to ensure early detection of problem credits.
• Undertake annual review of security documentation for all corporate accounts.
• Responsible for delivering a service to customers that matches the Bank’s mission statement

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional –

Particulars Detail Specific Field or Qualification Need Type [1]

Education Bachelor’s Degree bachelor’s degree from any recognized institution RQ

Professional Qualifications AKIB, CPA (K), ACCA ES

Master’s Degree Business Related AA

Experience In Years

Total Minimum No of Years Experience Required

3

Detail Minimum No of Years Need Type[1]

Sales -PB/BB/RB or Sales Manager 2 RQ

Credit experience 2 RQ

Banking Ops – Cash, Clearing, Accts & Admin. 2 RQ

Customer service/Relationship Mgt. 2 ES

Branch Manager Medium Branch

[1] Need Types are ES = Essential, DE = Desirable but not Essential

[2] Need Types are: RQ = Required, AA = Added Advantage

• Quality of market intelligence information to support credit analysis.
• Quality of credit reports for credit committee reviews
• Adequacy of personal competence to effectively perform Credit analysis tasks.
• Quality of credit portfolio information and credit portfolio maintenance
• Minimization of exposures to and impact of risks associated with KYC and AML.
• Consistency in adherence to and application of established policies, processes, procedures and tools to achieve optimal efficiency, compliance and cost containment.
• Review of credit requests including review of financial and credit information provided in respect to the corporate clients.
• With the support of the Relationship Manager, prepare credit applications commensurate with credit policy for both facility renewals and onboarding of new facilities
• Be conversant with the KYC requirements. Undertake actions to ensure compliance. Exercise due care and diligence in ensuring all AML and KYC requirements are complied with
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports.
• Monitor and ensure that there are no excesses that are not approved for both assets and liability customers
• Conduct periodic economic analysis, industry studies, self-assessment and stress tests and recommend strategy and plans of action vis a vis the bank’s credit portfolio.
• Proactive monitoring of the credit portfolio to ensure early detection of problem credits.
• Undertake annual review of security documentation for all corporate accounts.
• Responsible for delivering a service to customers that matches the Bank’s mission statement

• Bachelor’s Degree from any recognized institution
• AKIB, CPA (K), ACCA (Essential)
• Master’s Degree in Business Related (Added Advantage)