Key Responsibilities:
- Evaluate and decision credit proposals (new, renewals, one offs, amendments) received from Retail business units in line with specific credit guidelines as set within existing KCB Credit policy/manual/product documents, CBK Prudential guidelines, understanding of market, industry, economic factors, financial statements and recommending those beyond DLA for consideration while ensuring compliance with set TAT, SLAs and quality standards.
- Verify and analyze credit information, documentation such as bank statements, financials, provided by BMs/Customers, and seek clarification if needed from other sources, liaise with BMs/Branches for queries, additional information/documents and business recommendations for deviations, if needed.
- Support creation and update of new and existing credit processes, policy, manuals and product standards as relates to Retail business.
- Provide training/prompt guidance and support on all aspects of credit to all credit teams across branch network e.g. regional engagements, branch/customer visits.
- Provide input on development of new and reviewing of existing retail credit products, and credit appraisal tools e.g. Scorecards and Business Rules
- Maintain a healthy partnership with business units through effective communication and resolution of customer complaints.
- Attend to Audit requirements and provide a response to audit remarks/ensure rectification thereof in respect of Retail Credit Unit.
Support review of Retail portfolio through monitoring Early Vintage performance, Migration and PAR (NPL ratio) and recommend appropriate remedial actions e.g. limits review, scheme suspension etc.
POSITION QUALIFICATION REQUIREMENTS
a. Academic & Professional
RQ
Professional QualificationsACIB/AKIB, CPA(K)/ACCAAA
Masters DegreeBusiness AdministrationAA
- Experience
Total Minimum No of Years Experience Required
8
DetailMinimum No of Years
Need Type[2]
General Banking8
ES
Credit Analysis and lending (with DLA)8
ES
People management5
ES
Stakeholder Management3
ES
Credit Administration3
DE
Customer/ Relationship management3
DE
[1] Need Types are : RQ = Required, AA = Added Advantage
[2] Need Types are: ES = Essential, DE = Desirable but not Essential
Skills Required
- Bachelor's degree in a relevant field
- Eight years of general banking experience
- Eight years of credit analysis and lending experience with delegated lending authority
- Five years of people management experience
- Three years of stakeholder management experience
- Three years of credit administration experience
- Three years of customer or relationship management experience
- ACIB or AKIB qualification
- CPA(K) or ACCA qualification
- Master's degree in Business Administration
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.
