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.

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

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.