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To develop and lead the implementation of credit origination strategy in line with the overall Corporate Banking/ KCB Group strategy.
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Evaluation of credit appetite including appropriateness of structure considering application, tenor, risk versus return relationship, and the evaluation of effectiveness of risk mitigants
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Deliver well thought out decisions showing sound judgement where applications are within delegated sanctioning authority.
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Analysis of credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal.
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Identify and manage existing high-risk accounts and undertake the necessary corrective action when the risk profile threatens to become unacceptable.
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In liaison with the credit administration unit and relationship managers, provide oversight of performance of facilities booked in Kenya from other KCB Group subsidiaries to ensure that they remain performing and in the good book.
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Robust Covenant Monitoring to ensure that all approved covenants are tracked as per approval terms. Present applications to the relevant credit committee and/or delegated credit evaluators.
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Responsible for the oversight and implementation and adoption within Corporate Credit, of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This entails the consideration and approval of customers including those that require being subjected to enhanced Due Diligence for on boarding and continued business.
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Support the corporate business units to deliver world class service to our external customers. Assist relationship managers in negotiating term sheets with clients ensuring that the deal structure, conditions, and covenants conform to the overall credit requirements of the bank.
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Champion the delivery of consistent, seamless, and trusted customer service to ensure customer retention and loyalty. Spearhead improvement of service delivery and query resolution including defining customer pain points and providing solutions in collaboration with other stake holders.
Academic & Professional Qualifications
Particulars
Detail
Specific Field or Qualification
Need Type4
Education
Bachelor’s Degree
Bachelor’s Degree
RQ
Professional
Qualifications
Certificate in Commercial Credit
RQ
CPA,ACCA,CFA, AKIB
AA
Master’s Degree
Finance or a Business Related
Field
AA
Experience
Total Minimum No of Years’ Experience Required in the Financial Sector
10 Years
Detail
Minimum No of Years[1]
Need Type
-
Strategy development and implementation
6
ES
2. Commercial acumen
8
3. Sectors/Industry knowledge
8
ES
4. Credit Management
8
ES
5. Portfolio Management
8
ES
6. Banking Operations
6
7. Client experience – end to end
8
8. Financial Analysis & Performance Management
8
ES
9. Risk Management
8
10. Compliance
8
11. Leadership
6
ES
12. Project Management
4
Skills Required
- Bachelor's degree
- Certificate in Commercial Credit
- At least 10 years of experience in the financial sector
- At least 6 years of strategy development and implementation experience
- At least 8 years of sectors or industry knowledge
- At least 8 years of credit management experience
- At least 8 years of portfolio management experience
- At least 8 years of financial analysis and performance management experience
- At least 6 years of leadership experience
- CPA, ACCA, CFA, or AKIB qualification
- Master's degree in Finance or a business-related field
- At least 8 years of commercial acumen experience
- At least 6 years of banking operations experience
- At least 8 years of client experience across the end-to-end lifecycle
- At least 8 years of risk management experience
- At least 8 years of compliance experience
- At least 4 years of project management experience
What We Do
KCB Group, is the largest financial services organization in East Africa in terms of asset size. The Group's headquarters are located in Nairobi, Kenya, with subsidiaries in Kenya, Rwanda, Southern Sudan, Tanzania, Uganda and Burundi. In 2015, KCB Group opened a representative office in Ethiopia, expanding the growth of the organization. The Bank is over 124 years old having started in Mombasa in 1896. KCB Group has over 354 branches, 26,394 Agents/POS Merchants and 1,103 ATMs. The bank also offers Mobile Banking though the KCB App, Internet Banking and Diaspora Banking Services platform that can be accessed 24/7 basis. The Bank services over 26.8 million customers across the region. KCB Group is the largest financial services organization in East Africa, with an estimated asset base of approximately Ksh. 1.02 trillion as at the of end H1 2021.
