Role Purpose

To evaluate and recommend or approve if within discretion limit credit applications so as to increase the lending book portfolio of KCBT. 

The expected results are:

• To assess and mitigate credit risk through careful analysis of retail credit facilities of grade1&2 in conformity with BOT guidelines, Bank’s Credit Policy and best lending practice.
• To manage credit quality and performance under assigned segment.
• Credit control – excess management, covenant tracking and audit of loan bookings.

Key Responsibilities

• Analyze credit risk on applications and make appropriate recommendation/approval.
• Ensure compliance with credit policies and BOT prudential lending guidelines for all credit facilities sanctioned.
• Ensure an efficient turnaround time for applications is maintained.
• Ensure all facilities are reviewed at least one month prior to expiry date.
• Monitor, follow-up and report unauthorized excess drawings.
• Control of advances under grade 1&2 to maintain loan migration within targeted rate.
• Daily tick-back of loan bookings and other system entries.
• Ensure all OD facilities are renewed on time.
• Monitor covenant tracking records and report progress quarterly.

Qualifications and Requirements

• University Degree in Business related field. Post graduate and or Banking qualifications will be an added advantage.
• Minimum of 10 years’ experience in retail and corporate banking, treasury and commercial banking operations, customer service, governance and controls with at least 8 years’ in senior to top management position.
• Track record of attaining targets of business growth and profitability in the financial services and banking sector.
• Have appreciation and operating knowledge of the regional banking industry (especially operating dynamics of East Africa), market and global trends as well as challenges
• Demonstrable cross-cultural, people and relationship management skills, team motivation and leadership competence.
• Sound understanding of statutory and regulatory requirements of corporate governance, business and banking operations of East Africa.
• Demonstrable ability to adapt and operate in a matrix management and reporting environment

DAILY RESPONSIBILITIES:

• Analyze credit risk on applications and make appropriate recommendation/approval within approved turn-around time while ensuring no nil loan migration for accounts sanctioned in the past 12 months.
• Daily tick-back of loan bookings and other system entries.
• Daily review of excess reports, report and follow-up on any unauthorized excesses.
• Follow up with business teams on expired overdrafts and ensure all OD facilities are renewed on time.
• Control of advances under grade 1&2 to keep the loan migration rate within targeted limit.
• Monitor covenant tracking records and report progress quarterly.

Only short listed candidates will be contacted.