NBK Credit Analyst, Islamic Banking at KCB Bank Kenya

Job Description

Credit Analysis :

Preparing quality credit applications.
Financial analysis of corporate customers using credit skills, ratio analysis; judgment of management and business strategy.
Verifying that securities provided are up to standard and forwarded for approval in line with the credit policy
Evaluation and understanding of risk associated with individual transactions, products and borrowers.
Meeting Amanah clients when required to achieve clear understanding of their business with key focus on risk analysis.
Assist Relationship Manager to monitor credit quality by highlighting early warning signs of credit deterioration.
Ensure compliance with Bank’s policies and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level.

Enhance Customer Relationship:

Facilitate and accelerate business relationship through exceptional customer service to Amanah customers. Includes active engagement with customers from onboarding to managing Customer Retention.
Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises.
Handle customer service requirements like query resolution.
Effectively convert service recovery to sales opportunities and sustain client loyalty.
Together with the RM, offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.
Gather competitive intelligence to determine what competitors are offering clients, product positioning and service offerings.
Continuously track market trends and ensure up to date knowledge of market offerings to be able to provide advice on potential business threats/opportunities.

Portfolio Management/ Risk Management & Control:

Proactively manage risk and exposure for assigned portfolio continuously.
To ensure Compliance to quality of authenticated documentation and policy parameters.
Following up on due and pending facility repayments as stipulated in the credit approval and identified customer intelligence.
Meeting clients’ requirements om need basis while ensuring compliance with all regulations and controls as set by the Bank and external regulatory authorities.
Awareness of all the policies and procedures issued by the Bank and ensuring strict adherence.
Ensure KYC and AML compliance for all borrowing customers both new to bank and existing customers.
Ensure zero operational loss and effective complaint management.
Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating.
Identification of early warning signals for none performing accounts, tracking of early alert accounts and escalation to collections team where need arises.

WORK EXPERIENCE

5-6 years of Commercial Banking experience of which at least 3 years of credit analysis exposure is a must. Have appreciation and operating knowledge of the banking industry, market, trends as well as challenges.
Demonstrable cross-cultural, people and relationship management skills, networking and negotiation skills, team motivation and leadership competence.
Strong analytical and interpersonal skills.
Strong knowledge of local Islamic banking market and vision about future direction and market sensitivities.
Excellent interpersonal, communication and presentation skills
Some knowledge of the Bank’s lending principles, policies and procedures
Ability to prioritize, meet deadlines and work under pressure
Innovative and creative – ability to think creatively and develop innovative solutions.

QUALIFICATION &CERTIFICATIONS

Bachelors’ Degree from a recognized University.
Master’s degree in a Business-related field from a recognized University is an added advantage.