Credit Analyst – Unsecured Assets at DIB Bank Kenya Limited (DIBBKE)

Job Purpose

To analyze and process all cases received at the Retail Credit Department to ensure they are within policy parameters and meet credit considerations. Additionally, to assure proper authority compliance as per the approved delegated matrix.

Key Responsibilities

Discretionary Authority

• Exercise judicious use of delegated discretionary decision-making authority in the approval of all deviations from product policy and credit parameters as per the approved delegated matrix

Credit Policy, Product Manual & Operational Issues

• Meet targeted productivity levels and ensure adherence to service level agreements (SLA) and turnaround times (TAT)
• Reduce individual and overall error rates (error rate not to exceed 1% for any month)
• Ensure proper mitigation of the assigned delegation of authority as laid down by the bank
• Identify and highlight fraudulent activities to reduce risk exposure and increase quality of analysis
• Ensure compliance with quality standards for authenticated documentation and policy parameters
• Verify authenticity of data reported in daily productivity sheets
• Ensure appropriate productivity output levels to enhance efficiency within given resources during peak periods (month-end, promotions, etc.)
• Approve deviations from product and credit parameters as per the delegated authority matrix
• Ensure quality of detailed credit narrations to facilitate management approval

Credit Analysis & Risk Assessment

• Analyze and process cases based on comprehensive review of customer's profile, employment status, industry, financial position, existing liabilities, aggregate exposure to DIB Kenya, and repayment capability
• Verify customer records against Central Bank Report, EMcredit, Collection & Blacklist databases to minimize risks associated with customer integrity, credibility, repayment history, and relationships with other banks
• Conduct Contact Point Verification (CP) as required